Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$175,836Cash toward the purchase price.
Closing costs + prepaids$20,759Not just lender fees.
Before credits & paid funds$196,595The complete starting cash picture.
Estimated remaining funds due at closing
$196,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,836.41
Your down payment$175,836.41
Closing costs + prepaids$20,758.94
Total buyer cash needed$196,595.36
Remaining funds due$196,595.36
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%)$2,745.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,661.50
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$2,583.63
Fees + prepaids$20,758.94
Your down payment is the seller’s equity. You take over the $549,164 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $196,595.36 is due at closing. Uses and sources reconcile at $745,758.94 each. Not a Closing Disclosure.