Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$45,479Cash toward the purchase price.
Closing costs + prepaids$20,446Not just lender fees.
Before credits & paid funds$65,925The complete starting cash picture.
Estimated remaining funds due at closing
$65,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,478.89
Your down payment$45,478.89
Closing costs + prepaids$20,445.63
Total buyer cash needed$65,924.52
Remaining funds due$65,924.52
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%)$7,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,520.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,248.50
Prepaid interest, first (17 days)$964.03
Fees + prepaids$20,445.63
Your down payment is the seller’s equity. You take over the $704,021 balance, so the rest of the $749,500 price is paid at closing. A second mortgage can cover part of it. $65,924.52 is due at closing. Uses and sources reconcile at $769,945.63 each. Not a Closing Disclosure.