Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,074Cash toward the purchase price.
Closing costs + prepaids$19,919Not just lender fees.
Before credits & paid funds$166,993The complete starting cash picture.
Estimated remaining funds due at closing
$166,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,074.44
Your down payment$147,074.44
Closing costs + prepaids$19,918.85
Total buyer cash needed$166,993.29
Remaining funds due$166,993.29
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%)$7,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,014.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Prepaid interest, first (27 days)$1,311.24
Fees + prepaids$19,918.85
Your down payment is the seller’s equity. You take over the $602,925 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $166,993.29 is due at closing. Uses and sources reconcile at $769,917.85 each. Not a Closing Disclosure.