Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$183,700Cash toward the purchase price.
Closing costs + prepaids$20,889Not just lender fees.
Before credits & paid funds$204,589The complete starting cash picture.
Estimated remaining funds due at closing
$204,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,699.93
Your down payment$183,699.93
Closing costs + prepaids$20,888.57
Total buyer cash needed$204,588.50
Remaining funds due$204,588.50
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,831.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$463.75
Initial HOA (3 months)$929.01
Prepaid interest, first (30 days)$2,946.31
Fees + prepaids$20,888.57
Your down payment is the seller’s equity. You take over the $566,300 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $204,588.50 is due at closing. Uses and sources reconcile at $770,888.57 each. Not a Closing Disclosure.