Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$60,446Cash toward the purchase price.
Closing costs + prepaids$18,380Not just lender fees.
Before credits & paid funds$78,825The complete starting cash picture.
Estimated remaining funds due at closing
$78,825No 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$18,379.58
Total buyer cash needed$78,825.24
Remaining funds due$78,825.24
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 (6 days)$718.81
Fees + prepaids$18,379.58
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. $78,825.24 is due at closing. Uses and sources reconcile at $743,379.58 each. Not a Closing Disclosure.