Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$22,984Cash toward the purchase price.
Closing costs + prepaids$17,828Not just lender fees.
Before credits & paid funds$40,812The complete starting cash picture.
Estimated remaining funds due at closing
$40,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,983.60
Your down payment$22,983.60
Closing costs + prepaids$17,828.10
Total buyer cash needed$40,811.70
Remaining funds due$40,811.70
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,634.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$339.50
Prepaid interest, first (1 days)$137.02
Fees + prepaids$17,828.10
Your down payment is the seller’s equity. You take over the $726,916 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $40,811.70 is due at closing. Uses and sources reconcile at $767,728.10 each. Not a Closing Disclosure.