Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$191,216Cash toward the purchase price.
Closing costs + prepaids$19,746Not just lender fees.
Before credits & paid funds$210,961The complete starting cash picture.
Estimated remaining funds due at closing
$210,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,215.51
Your down payment$191,215.51
Closing costs + prepaids$19,745.94
Total buyer cash needed$210,961.45
Remaining funds due$210,961.45
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,718.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$475.50
Prepaid interest, first (31 days)$2,983.51
Fees + prepaids$19,745.94
Your down payment is the seller’s equity. You take over the $543,784 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $210,961.45 is due at closing. Uses and sources reconcile at $754,745.94 each. Not a Closing Disclosure.