Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,842Cash toward the purchase price.
Closing costs + prepaids$21,056Not just lender fees.
Before credits & paid funds$73,898The complete starting cash picture.
Estimated remaining funds due at closing
$73,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,841.93
Your down payment$52,841.93
Closing costs + prepaids$21,056.35
Total buyer cash needed$73,898.28
Remaining funds due$73,898.28
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,310.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,215.50
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$3,027.06
Fees + prepaids$21,056.35
Your down payment is the seller’s equity. You take over the $662,158 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $73,898.28 is due at closing. Uses and sources reconcile at $736,056.35 each. Not a Closing Disclosure.