Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$151,083Cash toward the purchase price.
Closing costs + prepaids$19,242Not just lender fees.
Before credits & paid funds$170,324The complete starting cash picture.
Estimated remaining funds due at closing
$170,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,082.71
Your down payment$151,082.71
Closing costs + prepaids$19,241.71
Total buyer cash needed$170,324.43
Remaining funds due$170,324.43
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%)$7,275.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,882.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,128.75
Initial HOA (3 months)$345.00
Prepaid interest, first (30 days)$1,392.88
Fees + prepaids$19,241.71
Your down payment is the seller’s equity. You take over the $576,417 balance, so the rest of the $727,500 price is paid at closing. A second mortgage can cover part of it. $170,324.43 is due at closing. Uses and sources reconcile at $746,741.71 each. Not a Closing Disclosure.