Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$127,685Cash toward the purchase price.
Closing costs + prepaids$21,062Not just lender fees.
Before credits & paid funds$148,746The complete starting cash picture.
Estimated remaining funds due at closing
$148,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,684.80
Your down payment$127,684.80
Closing costs + prepaids$21,061.67
Total buyer cash needed$148,746.47
Remaining funds due$148,746.47
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%)$2,986.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,037.75
Initial HOA (3 months)$525.00
Prepaid interest, first (27 days)$3,044.34
Fees + prepaids$21,061.67
Your down payment is the seller’s equity. You take over the $597,315 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $148,746.47 is due at closing. Uses and sources reconcile at $746,061.67 each. Not a Closing Disclosure.