Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$179,662Cash toward the purchase price.
Closing costs + prepaids$17,868Not just lender fees.
Before credits & paid funds$197,529The complete starting cash picture.
Estimated remaining funds due at closing
$197,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,661.65
Your down payment$179,661.65
Closing costs + prepaids$17,867.77
Total buyer cash needed$197,529.42
Remaining funds due$197,529.42
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,676.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$858.00
Prepaid interest, first (10 days)$965.08
Fees + prepaids$17,867.77
Your down payment is the seller’s equity. You take over the $535,338 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $197,529.42 is due at closing. Uses and sources reconcile at $732,867.77 each. Not a Closing Disclosure.