Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$14,582Cash toward the purchase price.
Closing costs + prepaids$19,794Not just lender fees.
Before credits & paid funds$34,375The complete starting cash picture.
Estimated remaining funds due at closing
$34,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,581.61
Your down payment$14,581.61
Closing costs + prepaids$19,793.68
Total buyer cash needed$34,375.29
Remaining funds due$34,375.29
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,552.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$870.00
Initial HOA (3 months)$285.00
Prepaid interest, first (12 days)$1,618.59
Fees + prepaids$19,793.68
Your down payment is the seller’s equity. You take over the $710,418 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $34,375.29 is due at closing. Uses and sources reconcile at $744,793.68 each. Not a Closing Disclosure.