Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$22,597Cash toward the purchase price.
Closing costs + prepaids$16,884Not just lender fees.
Before credits & paid funds$39,481The complete starting cash picture.
Estimated remaining funds due at closing
$39,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,596.73
Your down payment$22,596.73
Closing costs + prepaids$16,884.02
Total buyer cash needed$39,480.75
Remaining funds due$39,480.75
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,437.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (1 days)$129.01
Fees + prepaids$16,884.02
Your down payment is the seller’s equity. You take over the $687,403 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $39,480.75 is due at closing. Uses and sources reconcile at $726,884.02 each. Not a Closing Disclosure.