Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$166,902Cash toward the purchase price.
Closing costs + prepaids$18,299Not just lender fees.
Before credits & paid funds$185,201The complete starting cash picture.
Estimated remaining funds due at closing
$185,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,902.39
Your down payment$166,902.39
Closing costs + prepaids$18,298.93
Total buyer cash needed$185,201.32
Remaining funds due$185,201.32
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%)$7,420.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,875.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$770.75
Prepaid interest, first (23 days)$1,014.69
Fees + prepaids$18,298.93
Your down payment is the seller’s equity. You take over the $575,098 balance, so the rest of the $742,000 price is paid at closing. A second mortgage can cover part of it. $185,201.32 is due at closing. Uses and sources reconcile at $760,298.93 each. Not a Closing Disclosure.