Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$1,903Cash toward the purchase price.
Closing costs + prepaids$20,080Not just lender fees.
Before credits & paid funds$21,983The complete starting cash picture.
Estimated remaining funds due at closing
$21,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,902.89
Your down payment$1,902.89
Closing costs + prepaids$20,080.11
Total buyer cash needed$21,983.00
Remaining funds due$21,983.00
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%)$7,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,715.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$894.00
Initial HOA (3 months)$156.00
Prepaid interest, first (12 days)$1,646.62
Fees + prepaids$20,080.11
Your down payment is the seller’s equity. You take over the $743,097 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $21,983.00 is due at closing. Uses and sources reconcile at $765,080.11 each. Not a Closing Disclosure.