Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$135,538Cash toward the purchase price.
Closing costs + prepaids$18,013Not just lender fees.
Before credits & paid funds$153,551The complete starting cash picture.
Estimated remaining funds due at closing
$153,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,537.84
Your down payment$135,537.84
Closing costs + prepaids$18,012.95
Total buyer cash needed$153,550.80
Remaining funds due$153,550.80
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%)$7,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,942.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$868.75
Initial HOA (3 months)$30.00
Prepaid interest, first (12 days)$713.89
Fees + prepaids$18,012.95
Your down payment is the seller’s equity. You take over the $588,462 balance, so the rest of the $724,000 price is paid at closing. A second mortgage can cover part of it. $153,550.80 is due at closing. Uses and sources reconcile at $742,012.95 each. Not a Closing Disclosure.