Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$60,812Cash toward the purchase price.
Closing costs + prepaids$21,711Not just lender fees.
Before credits & paid funds$82,522The complete starting cash picture.
Estimated remaining funds due at closing
$82,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,811.55
Your down payment$60,811.55
Closing costs + prepaids$21,710.91
Total buyer cash needed$82,522.47
Remaining funds due$82,522.47
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%)$3,320.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,293.75
Initial HOA (3 months)$189.00
Prepaid interest, first (30 days)$3,439.22
Fees + prepaids$21,710.91
Your down payment is the seller’s equity. You take over the $664,188 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $82,522.47 is due at closing. Uses and sources reconcile at $746,710.91 each. Not a Closing Disclosure.