Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$183,195Cash toward the purchase price.
Closing costs + prepaids$18,701Not just lender fees.
Before credits & paid funds$201,896The complete starting cash picture.
Estimated remaining funds due at closing
$201,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,194.86
Your down payment$183,194.86
Closing costs + prepaids$18,701.22
Total buyer cash needed$201,896.07
Remaining funds due$201,896.07
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%)$7,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,683.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6.25
Initial HOA (3 months)$125.01
Prepaid interest, first (27 days)$2,469.43
Fees + prepaids$18,701.22
Your down payment is the seller’s equity. You take over the $536,705 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $201,896.07 is due at closing. Uses and sources reconcile at $738,601.22 each. Not a Closing Disclosure.