Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$147,288Cash toward the purchase price.
Closing costs + prepaids$18,586Not just lender fees.
Before credits & paid funds$165,874The complete starting cash picture.
Estimated remaining funds due at closing
$165,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,287.55
Your down payment$147,287.55
Closing costs + prepaids$18,585.96
Total buyer cash needed$165,873.51
Remaining funds due$165,873.51
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%)$7,345.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,936.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,836.25
Prepaid interest, first (2 days)$250.65
Fees + prepaids$18,585.96
Your down payment is the seller’s equity. You take over the $587,212 balance, so the rest of the $734,500 price is paid at closing. A second mortgage can cover part of it. $165,873.51 is due at closing. Uses and sources reconcile at $753,085.96 each. Not a Closing Disclosure.