Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$23,738Cash toward the purchase price.
Closing costs + prepaids$19,617Not just lender fees.
Before credits & paid funds$43,355The complete starting cash picture.
Estimated remaining funds due at closing
$43,355No 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$19,616.57
Total buyer cash needed$43,354.93
Remaining funds due$43,354.93
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)$900.00
Prepaid interest, first (10 days)$1,368.76
Fees + prepaids$19,616.57
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. $43,354.93 is due at closing. Uses and sources reconcile at $769,516.57 each. Not a Closing Disclosure.