Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$156,503Cash toward the purchase price.
Closing costs + prepaids$18,345Not just lender fees.
Before credits & paid funds$174,849The complete starting cash picture.
Estimated remaining funds due at closing
$174,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,503.07
Your down payment$156,503.07
Closing costs + prepaids$18,345.44
Total buyer cash needed$174,848.51
Remaining funds due$174,848.51
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%)$2,967.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$900.00
Initial HOA (3 months)$198.00
Prepaid interest, first (12 days)$561.95
Fees + prepaids$18,345.44
Your down payment is the seller’s equity. You take over the $593,497 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $174,848.51 is due at closing. Uses and sources reconcile at $768,345.44 each. Not a Closing Disclosure.