Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,088Cash toward the purchase price.
Closing costs + prepaids$19,134Not just lender fees.
Before credits & paid funds$61,223The complete starting cash picture.
Estimated remaining funds due at closing
$61,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,088.36
Your down payment$42,088.36
Closing costs + prepaids$19,134.21
Total buyer cash needed$61,222.57
Remaining funds due$61,222.57
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%)$3,464.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,597.75
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$128.90
Fees + prepaids$19,134.21
Your down payment is the seller’s equity. You take over the $692,912 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $61,222.57 is due at closing. Uses and sources reconcile at $754,134.21 each. Not a Closing Disclosure.