Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,738Cash toward the purchase price.
Closing costs + prepaids$21,383Not just lender fees.
Before credits & paid funds$45,121The complete starting cash picture.
Estimated remaining funds due at closing
$45,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,738.35
Your down payment$23,738.35
Closing costs + prepaids$21,382.97
Total buyer cash needed$45,121.33
Remaining funds due$45,121.33
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,630.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$339.50
Prepaid interest, first (27 days)$3,695.67
Fees + prepaids$21,382.97
Your down payment is the seller’s equity. You take over the $726,162 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $45,121.33 is due at closing. Uses and sources reconcile at $771,282.97 each. Not a Closing Disclosure.