Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,665Cash toward the purchase price.
Closing costs + prepaids$19,986Not just lender fees.
Before credits & paid funds$176,652The complete starting cash picture.
Estimated remaining funds due at closing
$176,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,665.46
Your down payment$156,665.46
Closing costs + prepaids$19,986.38
Total buyer cash needed$176,651.84
Remaining funds due$176,651.84
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%)$7,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,841.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$690.25
Prepaid interest, first (28 days)$2,986.48
Fees + prepaids$19,986.38
Your down payment is the seller’s equity. You take over the $568,334 balance, so the rest of the $724,999 price is paid at closing. A second mortgage can cover part of it. $176,651.84 is due at closing. Uses and sources reconcile at $744,985.38 each. Not a Closing Disclosure.