Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$42,674Cash toward the purchase price.
Closing costs + prepaids$20,178Not just lender fees.
Before credits & paid funds$62,852The complete starting cash picture.
Estimated remaining funds due at closing
$62,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,674.16
Your down payment$42,674.16
Closing costs + prepaids$20,177.77
Total buyer cash needed$62,851.93
Remaining funds due$62,851.93
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,461.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$662.00
Initial HOA (3 months)$210.00
Prepaid interest, first (30 days)$2,276.14
Fees + prepaids$20,177.77
Your down payment is the seller’s equity. You take over the $692,326 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $62,851.93 is due at closing. Uses and sources reconcile at $755,177.77 each. Not a Closing Disclosure.