Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$39,722Cash toward the purchase price.
Closing costs + prepaids$24,566Not just lender fees.
Before credits & paid funds$64,288The complete starting cash picture.
Estimated remaining funds due at closing
$64,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,721.74
Your down payment$39,721.74
Closing costs + prepaids$24,565.97
Total buyer cash needed$64,287.72
Remaining funds due$64,287.72
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,550.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,874.75
Initial HOA (3 months)$1,530.00
Prepaid interest, first (30 days)$3,893.33
Fees + prepaids$24,565.97
Your down payment is the seller’s equity. You take over the $710,178 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $64,287.72 is due at closing. Uses and sources reconcile at $774,465.97 each. Not a Closing Disclosure.