Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$181,378Cash toward the purchase price.
Closing costs + prepaids$17,986Not just lender fees.
Before credits & paid funds$199,364The complete starting cash picture.
Estimated remaining funds due at closing
$199,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,378.06
Your down payment$181,378.06
Closing costs + prepaids$17,985.95
Total buyer cash needed$199,364.01
Remaining funds due$199,364.01
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%)$7,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,693.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$864.00
Prepaid interest, first (10 days)$1,010.84
Fees + prepaids$17,985.95
Your down payment is the seller’s equity. You take over the $538,622 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $199,364.01 is due at closing. Uses and sources reconcile at $737,985.95 each. Not a Closing Disclosure.