Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$198,984Cash toward the purchase price.
Closing costs + prepaids$19,527Not just lender fees.
Before credits & paid funds$218,510The complete starting cash picture.
Estimated remaining funds due at closing
$218,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,983.51
Your down payment$198,983.51
Closing costs + prepaids$19,526.76
Total buyer cash needed$218,510.26
Remaining funds due$218,510.26
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,750.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,872.50
Prepaid interest, first (27 days)$1,196.17
Fees + prepaids$19,526.76
Your down payment is the seller’s equity. You take over the $550,016 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $218,510.26 is due at closing. Uses and sources reconcile at $768,526.76 each. Not a Closing Disclosure.