Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,469Cash toward the purchase price.
Closing costs + prepaids$19,362Not just lender fees.
Before credits & paid funds$62,831The complete starting cash picture.
Estimated remaining funds due at closing
$62,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,468.73
Your down payment$43,468.73
Closing costs + prepaids$19,362.05
Total buyer cash needed$62,830.77
Remaining funds due$62,830.77
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%)$7,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,522.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,870.00
Prepaid interest, first (2 days)$271.39
Fees + prepaids$19,362.05
Your down payment is the seller’s equity. You take over the $704,531 balance, so the rest of the $748,000 price is paid at closing. A second mortgage can cover part of it. $62,830.77 is due at closing. Uses and sources reconcile at $767,362.05 each. Not a Closing Disclosure.