Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$186,935Cash toward the purchase price.
Closing costs + prepaids$20,313Not just lender fees.
Before credits & paid funds$207,248The complete starting cash picture.
Estimated remaining funds due at closing
$207,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,934.64
Your down payment$186,934.64
Closing costs + prepaids$20,313.19
Total buyer cash needed$207,247.84
Remaining funds due$207,247.84
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,815.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Initial HOA (3 months)$933.00
Prepaid interest, first (24 days)$971.87
Fees + prepaids$20,313.19
Your down payment is the seller’s equity. You take over the $563,065 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $207,247.84 is due at closing. Uses and sources reconcile at $770,313.19 each. Not a Closing Disclosure.