Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$128,881Cash toward the purchase price.
Closing costs + prepaids$19,794Not just lender fees.
Before credits & paid funds$148,675The complete starting cash picture.
Estimated remaining funds due at closing
$148,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,880.81
Your down payment$128,880.81
Closing costs + prepaids$19,794.46
Total buyer cash needed$148,675.27
Remaining funds due$148,675.27
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,980.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,552.75
Initial HOA (3 months)$578.01
Prepaid interest, first (24 days)$1,215.10
Fees + prepaids$19,794.46
Your down payment is the seller’s equity. You take over the $596,119 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $148,675.27 is due at closing. Uses and sources reconcile at $744,794.46 each. Not a Closing Disclosure.