Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$13,902Cash toward the purchase price.
Closing costs + prepaids$19,213Not just lender fees.
Before credits & paid funds$33,115The complete starting cash picture.
Estimated remaining funds due at closing
$33,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,902.10
Your down payment$13,902.10
Closing costs + prepaids$19,213.01
Total buyer cash needed$33,115.11
Remaining funds due$33,115.11
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,555.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,634.50
Initial HOA (3 months)$285.00
Prepaid interest, first (2 days)$270.02
Fees + prepaids$19,213.01
Your down payment is the seller’s equity. You take over the $711,098 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $33,115.11 is due at closing. Uses and sources reconcile at $744,213.01 each. Not a Closing Disclosure.