Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$191,154Cash toward the purchase price.
Closing costs + prepaids$19,475Not just lender fees.
Before credits & paid funds$210,628The complete starting cash picture.
Estimated remaining funds due at closing
$210,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,153.70
Your down payment$191,153.70
Closing costs + prepaids$19,474.51
Total buyer cash needed$210,628.21
Remaining funds due$210,628.21
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%)$7,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,744.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,037.50
Initial HOA (3 months)$249.00
Prepaid interest, first (26 days)$1,825.78
Fees + prepaids$19,474.51
Your down payment is the seller’s equity. You take over the $548,846 balance, so the rest of the $740,000 price is paid at closing. A second mortgage can cover part of it. $210,628.21 is due at closing. Uses and sources reconcile at $759,474.51 each. Not a Closing Disclosure.