Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$128,146Cash toward the purchase price.
Closing costs + prepaids$19,934Not just lender fees.
Before credits & paid funds$148,080The complete starting cash picture.
Estimated remaining funds due at closing
$148,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,145.91
Your down payment$128,145.91
Closing costs + prepaids$19,933.60
Total buyer cash needed$148,079.51
Remaining funds due$148,079.51
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%)$7,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,954.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,797.50
Initial HOA (3 months)$585.00
Prepaid interest, first (27 days)$1,188.83
Fees + prepaids$19,933.60
Your down payment is the seller’s equity. You take over the $590,854 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $148,079.51 is due at closing. Uses and sources reconcile at $738,933.60 each. Not a Closing Disclosure.