Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$187,273Cash toward the purchase price.
Closing costs + prepaids$22,675Not just lender fees.
Before credits & paid funds$209,949The complete starting cash picture.
Estimated remaining funds due at closing
$209,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,273.27
Your down payment$187,273.27
Closing costs + prepaids$22,675.25
Total buyer cash needed$209,948.51
Remaining funds due$209,948.51
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%)$7,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,663.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,799.75
Initial HOA (3 months)$2,427.00
Prepaid interest, first (30 days)$2,368.36
Fees + prepaids$22,675.25
Your down payment is the seller’s equity. You take over the $532,627 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $209,948.51 is due at closing. Uses and sources reconcile at $742,575.25 each. Not a Closing Disclosure.