Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$142,171Cash toward the purchase price.
Closing costs + prepaids$19,594Not just lender fees.
Before credits & paid funds$161,765The complete starting cash picture.
Estimated remaining funds due at closing
$161,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,171.37
Your down payment$142,171.37
Closing costs + prepaids$19,593.90
Total buyer cash needed$161,765.27
Remaining funds due$161,765.27
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%)$7,249.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,914.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,812.50
Prepaid interest, first (28 days)$1,399.40
Fees + prepaids$19,593.90
Your down payment is the seller’s equity. You take over the $582,819 balance, so the rest of the $724,990 price is paid at closing. A second mortgage can cover part of it. $161,765.27 is due at closing. Uses and sources reconcile at $744,583.90 each. Not a Closing Disclosure.