Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$159,848Cash toward the purchase price.
Closing costs + prepaids$19,597Not just lender fees.
Before credits & paid funds$179,445The complete starting cash picture.
Estimated remaining funds due at closing
$179,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,848.12
Your down payment$159,848.12
Closing costs + prepaids$19,596.78
Total buyer cash needed$179,444.90
Remaining funds due$179,444.90
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,750.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,775.00
Initial HOA (3 months)$297.00
Prepaid interest, first (28 days)$1,456.02
Fees + prepaids$19,596.78
Your down payment is the seller’s equity. You take over the $550,152 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $179,444.90 is due at closing. Uses and sources reconcile at $729,596.78 each. Not a Closing Disclosure.