Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$210,318Cash toward the purchase price.
Closing costs + prepaids$17,896Not just lender fees.
Before credits & paid funds$228,214The complete starting cash picture.
Estimated remaining funds due at closing
$228,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,318.08
Your down payment$210,318.08
Closing costs + prepaids$17,896.25
Total buyer cash needed$228,214.34
Remaining funds due$228,214.34
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%)$7,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,673.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$415.75
Prepaid interest, first (27 days)$1,139.09
Fees + prepaids$17,896.25
Your down payment is the seller’s equity. You take over the $534,682 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $228,214.34 is due at closing. Uses and sources reconcile at $762,896.25 each. Not a Closing Disclosure.