Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,580Cash toward the purchase price.
Closing costs + prepaids$22,430Not just lender fees.
Before credits & paid funds$60,010The complete starting cash picture.
Estimated remaining funds due at closing
$60,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,580.40
Your down payment$37,580.40
Closing costs + prepaids$22,429.95
Total buyer cash needed$60,010.35
Remaining funds due$60,010.35
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%)$7,695.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,659.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$356.75
Prepaid interest, first (31 days)$4,500.60
Fees + prepaids$22,429.95
Your down payment is the seller’s equity. You take over the $731,920 balance, so the rest of the $769,500 price is paid at closing. A second mortgage can cover part of it. $60,010.35 is due at closing. Uses and sources reconcile at $791,929.95 each. Not a Closing Disclosure.