Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$163,320Cash toward the purchase price.
Closing costs + prepaids$21,439Not just lender fees.
Before credits & paid funds$184,759The complete starting cash picture.
Estimated remaining funds due at closing
$184,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,320.35
Your down payment$163,320.35
Closing costs + prepaids$21,439.06
Total buyer cash needed$184,759.41
Remaining funds due$184,759.41
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,932.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,258.25
Initial HOA (3 months)$396.00
Prepaid interest, first (22 days)$1,134.91
Fees + prepaids$21,439.06
Your down payment is the seller’s equity. You take over the $586,580 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $184,759.41 is due at closing. Uses and sources reconcile at $771,339.06 each. Not a Closing Disclosure.