Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$140,614Cash toward the purchase price.
Closing costs + prepaids$19,486Not just lender fees.
Before credits & paid funds$160,099The complete starting cash picture.
Estimated remaining funds due at closing
$160,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,613.69
Your down payment$140,613.69
Closing costs + prepaids$19,485.80
Total buyer cash needed$160,099.49
Remaining funds due$160,099.49
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%)$7,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,896.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$731.50
Initial HOA (3 months)$975.99
Prepaid interest, first (26 days)$1,464.88
Fees + prepaids$19,485.80
Your down payment is the seller’s equity. You take over the $579,286 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $160,099.49 is due at closing. Uses and sources reconcile at $739,385.80 each. Not a Closing Disclosure.