Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$168,932Cash toward the purchase price.
Closing costs + prepaids$19,628Not just lender fees.
Before credits & paid funds$188,560The complete starting cash picture.
Estimated remaining funds due at closing
$188,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,932.41
Your down payment$168,932.41
Closing costs + prepaids$19,627.84
Total buyer cash needed$188,560.25
Remaining funds due$188,560.25
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%)$7,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,815.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,910.50
Initial HOA (3 months)$288.00
Prepaid interest, first (25 days)$1,076.00
Fees + prepaids$19,627.84
Your down payment is the seller’s equity. You take over the $563,068 balance, so the rest of the $732,000 price is paid at closing. A second mortgage can cover part of it. $188,560.25 is due at closing. Uses and sources reconcile at $751,627.84 each. Not a Closing Disclosure.