Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,929Cash toward the purchase price.
Closing costs + prepaids$20,624Not just lender fees.
Before credits & paid funds$159,553The complete starting cash picture.
Estimated remaining funds due at closing
$159,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,928.87
Your down payment$138,928.87
Closing costs + prepaids$20,624.20
Total buyer cash needed$159,553.08
Remaining funds due$159,553.08
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%)$7,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,900.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$616.25
Initial HOA (3 months)$315.00
Prepaid interest, first (31 days)$3,384.60
Fees + prepaids$20,624.20
Your down payment is the seller’s equity. You take over the $580,071 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $159,553.08 is due at closing. Uses and sources reconcile at $739,624.20 each. Not a Closing Disclosure.