Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$190,707Cash toward the purchase price.
Closing costs + prepaids$16,861Not just lender fees.
Before credits & paid funds$207,568The complete starting cash picture.
Estimated remaining funds due at closing
$207,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,706.99
Your down payment$190,706.99
Closing costs + prepaids$16,861.30
Total buyer cash needed$207,568.29
Remaining funds due$207,568.29
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%)$2,721.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$475.50
Prepaid interest, first (1 days)$96.33
Fees + prepaids$16,861.30
Your down payment is the seller’s equity. You take over the $544,293 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $207,568.29 is due at closing. Uses and sources reconcile at $751,861.30 each. Not a Closing Disclosure.