Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$161,660Cash toward the purchase price.
Closing costs + prepaids$18,465Not just lender fees.
Before credits & paid funds$180,126The complete starting cash picture.
Estimated remaining funds due at closing
$180,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,660.10
Your down payment$161,660.10
Closing costs + prepaids$18,465.46
Total buyer cash needed$180,125.56
Remaining funds due$180,125.56
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%)$7,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,891.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$684.50
Prepaid interest, first (26 days)$1,272.76
Fees + prepaids$18,465.46
Your down payment is the seller’s equity. You take over the $578,240 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $180,125.56 is due at closing. Uses and sources reconcile at $758,365.46 each. Not a Closing Disclosure.