Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$160,886Cash toward the purchase price.
Closing costs + prepaids$19,299Not just lender fees.
Before credits & paid funds$180,184The complete starting cash picture.
Estimated remaining funds due at closing
$180,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,885.74
Your down payment$160,885.74
Closing costs + prepaids$19,298.67
Total buyer cash needed$180,184.41
Remaining funds due$180,184.41
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,945.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$919.25
Initial HOA (3 months)$33.24
Prepaid interest, first (25 days)$1,682.61
Fees + prepaids$19,298.67
Your down payment is the seller’s equity. You take over the $589,114 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $180,184.41 is due at closing. Uses and sources reconcile at $769,298.67 each. Not a Closing Disclosure.