Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$60,446Cash toward the purchase price.
Closing costs + prepaids$19,098Not just lender fees.
Before credits & paid funds$79,544The complete starting cash picture.
Estimated remaining funds due at closing
$79,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,445.66
Your down payment$60,445.66
Closing costs + prepaids$19,098.39
Total buyer cash needed$79,544.05
Remaining funds due$79,544.05
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%)$3,322.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$870.00
Prepaid interest, first (12 days)$1,437.62
Fees + prepaids$19,098.39
Your down payment is the seller’s equity. You take over the $664,554 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $79,544.05 is due at closing. Uses and sources reconcile at $744,098.39 each. Not a Closing Disclosure.