Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$37,385Cash toward the purchase price.
Closing costs + prepaids$18,480Not just lender fees.
Before credits & paid funds$55,865The complete starting cash picture.
Estimated remaining funds due at closing
$55,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,384.84
Your down payment$37,384.84
Closing costs + prepaids$18,479.93
Total buyer cash needed$55,864.78
Remaining funds due$55,864.78
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%)$7,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,375.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$855.00
Initial HOA (3 months)$372.00
Prepaid interest, first (9 days)$534.36
Fees + prepaids$18,479.93
Your down payment is the seller’s equity. You take over the $675,115 balance, so the rest of the $712,500 price is paid at closing. A second mortgage can cover part of it. $55,864.78 is due at closing. Uses and sources reconcile at $730,979.93 each. Not a Closing Disclosure.