Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$163,273Cash toward the purchase price.
Closing costs + prepaids$20,756Not just lender fees.
Before credits & paid funds$184,029The complete starting cash picture.
Estimated remaining funds due at closing
$184,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,272.54
Your down payment$163,272.54
Closing costs + prepaids$20,756.39
Total buyer cash needed$184,028.93
Remaining funds due$184,028.93
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,978.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$866.25
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$2,953.50
Fees + prepaids$20,756.39
Your down payment is the seller’s equity. You take over the $595,727 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $184,028.93 is due at closing. Uses and sources reconcile at $779,756.39 each. Not a Closing Disclosure.