Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$175,272Cash toward the purchase price.
Closing costs + prepaids$18,303Not just lender fees.
Before credits & paid funds$193,575The complete starting cash picture.
Estimated remaining funds due at closing
$193,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,271.90
Your down payment$175,271.90
Closing costs + prepaids$18,303.33
Total buyer cash needed$193,575.23
Remaining funds due$193,575.23
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%)$7,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,773.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$876.00
Initial HOA (3 months)$315.00
Prepaid interest, first (12 days)$820.69
Fees + prepaids$18,303.33
Your down payment is the seller’s equity. You take over the $554,728 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $193,575.23 is due at closing. Uses and sources reconcile at $748,303.33 each. Not a Closing Disclosure.