Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$52,842Cash toward the purchase price.
Closing costs + prepaids$19,501Not just lender fees.
Before credits & paid funds$72,343The complete starting cash picture.
Estimated remaining funds due at closing
$72,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,841.93
Your down payment$52,841.93
Closing costs + prepaids$19,501.35
Total buyer cash needed$72,343.29
Remaining funds due$72,343.29
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,310.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$893.75
Initial HOA (3 months)$135.00
Prepaid interest, first (16 days)$1,793.81
Fees + prepaids$19,501.35
Your down payment is the seller’s equity. You take over the $662,158 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $72,343.29 is due at closing. Uses and sources reconcile at $734,501.35 each. Not a Closing Disclosure.