Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,257Cash toward the purchase price.
Closing costs + prepaids$18,070Not just lender fees.
Before credits & paid funds$42,327The complete starting cash picture.
Estimated remaining funds due at closing
$42,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,256.99
Your down payment$24,256.99
Closing costs + prepaids$18,069.71
Total buyer cash needed$42,326.70
Remaining funds due$42,326.70
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%)$3,503.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$124.25
Initial HOA (3 months)$843.00
Prepaid interest, first (1 days)$130.74
Fees + prepaids$18,069.71
Your down payment is the seller’s equity. You take over the $700,743 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $42,326.70 is due at closing. Uses and sources reconcile at $743,069.71 each. Not a Closing Disclosure.