Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$175,002Cash toward the purchase price.
Closing costs + prepaids$19,579Not just lender fees.
Before credits & paid funds$194,581The complete starting cash picture.
Estimated remaining funds due at closing
$194,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,002.44
Your down payment$175,002.44
Closing costs + prepaids$19,578.98
Total buyer cash needed$194,581.42
Remaining funds due$194,581.42
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,869.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,872.50
Prepaid interest, first (26 days)$1,128.49
Fees + prepaids$19,578.98
Your down payment is the seller’s equity. You take over the $573,998 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $194,581.42 is due at closing. Uses and sources reconcile at $768,578.98 each. Not a Closing Disclosure.