Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,385Cash toward the purchase price.
Closing costs + prepaids$19,699Not just lender fees.
Before credits & paid funds$57,084The complete starting cash picture.
Estimated remaining funds due at closing
$57,084No 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$19,699.14
Total buyer cash needed$57,083.99
Remaining funds due$57,083.99
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)$768.00
Initial HOA (3 months)$372.00
Prepaid interest, first (31 days)$1,840.57
Fees + prepaids$19,699.14
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. $57,083.99 is due at closing. Uses and sources reconcile at $732,199.14 each. Not a Closing Disclosure.