Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$223,462Cash toward the purchase price.
Closing costs + prepaids$18,368Not just lender fees.
Before credits & paid funds$241,830The complete starting cash picture.
Estimated remaining funds due at closing
$241,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,462.15
Your down payment$223,462.15
Closing costs + prepaids$18,368.01
Total buyer cash needed$241,830.16
Remaining funds due$241,830.16
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,627.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$898.75
Initial HOA (3 months)$750.00
Prepaid interest, first (9 days)$383.57
Fees + prepaids$18,368.01
Your down payment is the seller’s equity. You take over the $525,538 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $241,830.16 is due at closing. Uses and sources reconcile at $767,368.01 each. Not a Closing Disclosure.