Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$174,505Cash toward the purchase price.
Closing costs + prepaids$17,710Not just lender fees.
Before credits & paid funds$192,216The complete starting cash picture.
Estimated remaining funds due at closing
$192,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,505.12
Your down payment$174,505.12
Closing costs + prepaids$17,710.40
Total buyer cash needed$192,215.52
Remaining funds due$192,215.52
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%)$2,852.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$596.00
Initial HOA (3 months)$540.00
Prepaid interest, first (1 days)$53.92
Fees + prepaids$17,710.40
Your down payment is the seller’s equity. You take over the $570,495 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $192,215.52 is due at closing. Uses and sources reconcile at $762,710.40 each. Not a Closing Disclosure.