Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,075Cash toward the purchase price.
Closing costs + prepaids$17,601Not just lender fees.
Before credits & paid funds$40,676The complete starting cash picture.
Estimated remaining funds due at closing
$40,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,074.64
Your down payment$23,074.64
Closing costs + prepaids$17,601.09
Total buyer cash needed$40,675.73
Remaining funds due$40,675.73
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%)$3,559.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Initial HOA (3 months)$206.25
Prepaid interest, first (2 days)$267.22
Fees + prepaids$17,601.09
Your down payment is the seller’s equity. You take over the $711,925 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $40,675.73 is due at closing. Uses and sources reconcile at $752,601.09 each. Not a Closing Disclosure.