Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$26,922Cash toward the purchase price.
Closing costs + prepaids$19,113Not just lender fees.
Before credits & paid funds$46,036The complete starting cash picture.
Estimated remaining funds due at closing
$46,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,922.48
Your down payment$26,922.48
Closing costs + prepaids$19,113.03
Total buyer cash needed$46,035.51
Remaining funds due$46,035.51
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,540.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$882.00
Prepaid interest, first (9 days)$1,122.64
Fees + prepaids$19,113.03
Your down payment is the seller’s equity. You take over the $708,078 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $46,035.51 is due at closing. Uses and sources reconcile at $754,113.03 each. Not a Closing Disclosure.