Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$2,019Cash toward the purchase price.
Closing costs + prepaids$23,530Not just lender fees.
Before credits & paid funds$25,549The complete starting cash picture.
Estimated remaining funds due at closing
$25,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,019.18
Your down payment$2,019.18
Closing costs + prepaids$23,529.99
Total buyer cash needed$25,549.17
Remaining funds due$25,549.17
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%)$7,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,689.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,850.00
Initial HOA (3 months)$1,218.00
Prepaid interest, first (24 days)$3,154.11
Fees + prepaids$23,529.99
Your down payment is the seller’s equity. You take over the $737,980 balance, so the rest of the $739,999 price is paid at closing. A second mortgage can cover part of it. $25,549.17 is due at closing. Uses and sources reconcile at $763,528.99 each. Not a Closing Disclosure.