Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,454Cash toward the purchase price.
Closing costs + prepaids$20,826Not just lender fees.
Before credits & paid funds$179,280The complete starting cash picture.
Estimated remaining funds due at closing
$179,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,454.28
Your down payment$158,454.28
Closing costs + prepaids$20,825.90
Total buyer cash needed$179,280.19
Remaining funds due$179,280.19
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,957.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,944.75
Initial HOA (3 months)$62.49
Prepaid interest, first (26 days)$2,144.44
Fees + prepaids$20,825.90
Your down payment is the seller’s equity. You take over the $591,446 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $179,280.19 is due at closing. Uses and sources reconcile at $770,725.90 each. Not a Closing Disclosure.