Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$164,381Cash toward the purchase price.
Closing costs + prepaids$20,522Not just lender fees.
Before credits & paid funds$184,903The complete starting cash picture.
Estimated remaining funds due at closing
$184,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,381.36
Your down payment$164,381.36
Closing costs + prepaids$20,522.00
Total buyer cash needed$184,903.36
Remaining funds due$184,903.36
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,973.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$866.25
Initial HOA (3 months)$150.00
Prepaid interest, first (25 days)$2,724.66
Fees + prepaids$20,522.00
Your down payment is the seller’s equity. You take over the $594,619 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $184,903.36 is due at closing. Uses and sources reconcile at $779,522.00 each. Not a Closing Disclosure.