Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$169,393Cash toward the purchase price.
Closing costs + prepaids$18,910Not just lender fees.
Before credits & paid funds$188,303The complete starting cash picture.
Estimated remaining funds due at closing
$188,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,393.42
Your down payment$169,393.42
Closing costs + prepaids$18,910.06
Total buyer cash needed$188,303.48
Remaining funds due$188,303.48
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,898.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$898.75
Initial HOA (3 months)$180.00
Prepaid interest, first (12 days)$1,225.27
Fees + prepaids$18,910.06
Your down payment is the seller’s equity. You take over the $579,607 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $188,303.48 is due at closing. Uses and sources reconcile at $767,910.06 each. Not a Closing Disclosure.