Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$201,037Cash toward the purchase price.
Closing costs + prepaids$19,211Not just lender fees.
Before credits & paid funds$220,249The complete starting cash picture.
Estimated remaining funds due at closing
$220,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,037.47
Your down payment$201,037.47
Closing costs + prepaids$19,211.24
Total buyer cash needed$220,248.71
Remaining funds due$220,248.71
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,744.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,874.75
Initial HOA (3 months)$120.00
Prepaid interest, first (18 days)$755.17
Fees + prepaids$19,211.24
Your down payment is the seller’s equity. You take over the $548,863 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $220,248.71 is due at closing. Uses and sources reconcile at $769,111.24 each. Not a Closing Disclosure.