Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$164,381Cash toward the purchase price.
Closing costs + prepaids$18,823Not just lender fees.
Before credits & paid funds$183,204The complete starting cash picture.
Estimated remaining funds due at closing
$183,204No 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$18,822.72
Total buyer cash needed$183,204.08
Remaining funds due$183,204.08
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)$910.75
Initial HOA (3 months)$150.00
Prepaid interest, first (9 days)$980.88
Fees + prepaids$18,822.72
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. $183,204.08 is due at closing. Uses and sources reconcile at $777,822.72 each. Not a Closing Disclosure.