Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$8,650Cash toward the purchase price.
Closing costs + prepaids$23,247Not just lender fees.
Before credits & paid funds$31,897The complete starting cash picture.
Estimated remaining funds due at closing
$31,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,650.38
Your down payment$8,650.38
Closing costs + prepaids$23,246.60
Total buyer cash needed$31,896.98
Remaining funds due$31,896.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,781.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,912.50
Prepaid interest, first (28 days)$3,684.36
Fees + prepaids$23,246.60
Your down payment is the seller’s equity. You take over the $756,350 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $31,896.98 is due at closing. Uses and sources reconcile at $788,246.60 each. Not a Closing Disclosure.