Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$168,707Cash toward the purchase price.
Closing costs + prepaids$19,032Not just lender fees.
Before credits & paid funds$187,739The complete starting cash picture.
Estimated remaining funds due at closing
$187,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,706.94
Your down payment$168,706.94
Closing costs + prepaids$19,032.42
Total buyer cash needed$187,739.36
Remaining funds due$187,739.36
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%)$2,901.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,038.50
Initial HOA (3 months)$180.00
Prepaid interest, first (2 days)$204.45
Fees + prepaids$19,032.42
Your down payment is the seller’s equity. You take over the $580,293 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $187,739.36 is due at closing. Uses and sources reconcile at $768,032.42 each. Not a Closing Disclosure.