Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$147,066Cash toward the purchase price.
Closing costs + prepaids$17,684Not just lender fees.
Before credits & paid funds$164,750The complete starting cash picture.
Estimated remaining funds due at closing
$164,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,066.27
Your down payment$147,066.27
Closing costs + prepaids$17,684.22
Total buyer cash needed$164,750.48
Remaining funds due$164,750.48
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%)$2,939.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$650.50
Initial HOA (3 months)$417.00
Prepaid interest, first (1 days)$109.05
Fees + prepaids$17,684.22
Your down payment is the seller’s equity. You take over the $587,934 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $164,750.48 is due at closing. Uses and sources reconcile at $752,684.22 each. Not a Closing Disclosure.