Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$177,675Cash toward the purchase price.
Closing costs + prepaids$18,549Not just lender fees.
Before credits & paid funds$196,224The complete starting cash picture.
Estimated remaining funds due at closing
$196,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,674.57
Your down payment$177,674.57
Closing costs + prepaids$18,549.47
Total buyer cash needed$196,224.04
Remaining funds due$196,224.04
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%)$7,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,711.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,324.00
Initial HOA (3 months)$28.74
Prepaid interest, first (27 days)$1,067.12
Fees + prepaids$18,549.47
Your down payment is the seller’s equity. You take over the $542,324 balance, so the rest of the $719,999 price is paid at closing. A second mortgage can cover part of it. $196,224.04 is due at closing. Uses and sources reconcile at $738,548.47 each. Not a Closing Disclosure.