Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$142,587Cash toward the purchase price.
Closing costs + prepaids$20,264Not just lender fees.
Before credits & paid funds$162,851The complete starting cash picture.
Estimated remaining funds due at closing
$162,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,587.43
Your down payment$142,587.43
Closing costs + prepaids$20,263.61
Total buyer cash needed$162,851.04
Remaining funds due$162,851.04
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%)$2,962.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,837.50
Prepaid interest, first (18 days)$1,896.04
Fees + prepaids$20,263.61
Your down payment is the seller’s equity. You take over the $592,413 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $162,851.04 is due at closing. Uses and sources reconcile at $755,263.61 each. Not a Closing Disclosure.