Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$175,676Cash toward the purchase price.
Closing costs + prepaids$18,433Not just lender fees.
Before credits & paid funds$194,109The complete starting cash picture.
Estimated remaining funds due at closing
$194,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,676.37
Your down payment$175,676.37
Closing costs + prepaids$18,432.93
Total buyer cash needed$194,109.31
Remaining funds due$194,109.31
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%)$7,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,846.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$894.00
Initial HOA (3 months)$540.00
Prepaid interest, first (9 days)$484.32
Fees + prepaids$18,432.93
Your down payment is the seller’s equity. You take over the $569,324 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $194,109.31 is due at closing. Uses and sources reconcile at $763,432.93 each. Not a Closing Disclosure.