Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$179,433Cash toward the purchase price.
Closing costs + prepaids$22,357Not just lender fees.
Before credits & paid funds$201,790The complete starting cash picture.
Estimated remaining funds due at closing
$201,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,432.96
Your down payment$179,432.96
Closing costs + prepaids$22,357.02
Total buyer cash needed$201,789.98
Remaining funds due$201,789.98
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%)$7,299.49
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,752.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,824.75
Initial HOA (3 months)$1,725.00
Prepaid interest, first (26 days)$2,537.20
Fees + prepaids$22,357.02
Your down payment is the seller’s equity. You take over the $550,516 balance, so the rest of the $729,949 price is paid at closing. A second mortgage can cover part of it. $201,789.98 is due at closing. Uses and sources reconcile at $752,306.02 each. Not a Closing Disclosure.