Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$181,796Cash toward the purchase price.
Closing costs + prepaids$19,596Not just lender fees.
Before credits & paid funds$201,392The complete starting cash picture.
Estimated remaining funds due at closing
$201,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,796.13
Your down payment$181,796.13
Closing costs + prepaids$19,596.29
Total buyer cash needed$201,392.42
Remaining funds due$201,392.42
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,841.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,596.25
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$1,366.02
Fees + prepaids$19,596.29
Your down payment is the seller’s equity. You take over the $568,204 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $201,392.42 is due at closing. Uses and sources reconcile at $769,596.29 each. Not a Closing Disclosure.