Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$167,724Cash toward the purchase price.
Closing costs + prepaids$19,996Not just lender fees.
Before credits & paid funds$187,719The complete starting cash picture.
Estimated remaining funds due at closing
$187,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,723.52
Your down payment$167,723.52
Closing costs + prepaids$19,995.51
Total buyer cash needed$187,719.02
Remaining funds due$187,719.02
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,786.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,812.50
Initial HOA (3 months)$411.00
Prepaid interest, first (28 days)$1,517.62
Fees + prepaids$19,995.51
Your down payment is the seller’s equity. You take over the $557,276 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $187,719.02 is due at closing. Uses and sources reconcile at $744,995.51 each. Not a Closing Disclosure.