Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$152,053Cash toward the purchase price.
Closing costs + prepaids$21,428Not just lender fees.
Before credits & paid funds$173,481The complete starting cash picture.
Estimated remaining funds due at closing
$173,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,053.05
Your down payment$152,053.05
Closing costs + prepaids$21,427.91
Total buyer cash needed$173,480.96
Remaining funds due$173,480.96
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%)$2,984.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Initial HOA (3 months)$1,389.00
Prepaid interest, first (31 days)$3,346.17
Fees + prepaids$21,427.91
Your down payment is the seller’s equity. You take over the $596,947 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $173,480.96 is due at closing. Uses and sources reconcile at $770,427.91 each. Not a Closing Disclosure.