Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$147,810Cash toward the purchase price.
Closing costs + prepaids$21,213Not just lender fees.
Before credits & paid funds$169,023The complete starting cash picture.
Estimated remaining funds due at closing
$169,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,809.94
Your down payment$147,809.94
Closing costs + prepaids$21,212.63
Total buyer cash needed$169,022.57
Remaining funds due$169,022.57
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%)$7,345.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,933.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,836.25
Prepaid interest, first (23 days)$2,879.92
Fees + prepaids$21,212.63
Your down payment is the seller’s equity. You take over the $586,690 balance, so the rest of the $734,500 price is paid at closing. A second mortgage can cover part of it. $169,022.57 is due at closing. Uses and sources reconcile at $755,712.63 each. Not a Closing Disclosure.