Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,634Cash toward the purchase price.
Closing costs + prepaids$22,590Not just lender fees.
Before credits & paid funds$100,225The complete starting cash picture.
Estimated remaining funds due at closing
$100,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,634.47
Your down payment$77,634.47
Closing costs + prepaids$22,590.27
Total buyer cash needed$100,224.74
Remaining funds due$100,224.74
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%)$3,236.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,943.25
Prepaid interest, first (31 days)$3,942.19
Fees + prepaids$22,590.27
Your down payment is the seller’s equity. You take over the $647,366 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $100,224.74 is due at closing. Uses and sources reconcile at $747,590.27 each. Not a Closing Disclosure.