Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$184,590Cash toward the purchase price.
Closing costs + prepaids$17,254Not just lender fees.
Before credits & paid funds$201,844The complete starting cash picture.
Estimated remaining funds due at closing
$201,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,590.33
Your down payment$184,590.33
Closing costs + prepaids$17,253.54
Total buyer cash needed$201,843.87
Remaining funds due$201,843.87
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%)$7,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,767.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$683.50
Prepaid interest, first (2 days)$204.99
Fees + prepaids$17,253.54
Your down payment is the seller’s equity. You take over the $553,410 balance, so the rest of the $738,000 price is paid at closing. A second mortgage can cover part of it. $201,843.87 is due at closing. Uses and sources reconcile at $755,253.54 each. Not a Closing Disclosure.