Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$164,381Cash toward the purchase price.
Closing costs + prepaids$19,977Not just lender fees.
Before credits & paid funds$184,358The complete starting cash picture.
Estimated remaining funds due at closing
$184,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,381.36
Your down payment$164,381.36
Closing costs + prepaids$19,977.07
Total buyer cash needed$184,358.42
Remaining funds due$184,358.42
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,973.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$866.25
Initial HOA (3 months)$150.00
Prepaid interest, first (20 days)$2,179.73
Fees + prepaids$19,977.07
Your down payment is the seller’s equity. You take over the $594,619 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $184,358.42 is due at closing. Uses and sources reconcile at $778,977.07 each. Not a Closing Disclosure.