Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$223,198Cash toward the purchase price.
Closing costs + prepaids$19,617Not just lender fees.
Before credits & paid funds$242,815The complete starting cash picture.
Estimated remaining funds due at closing
$242,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,197.63
Your down payment$223,197.63
Closing costs + prepaids$19,617.10
Total buyer cash needed$242,814.73
Remaining funds due$242,814.73
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%)$7,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,779.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$722.75
Initial HOA (3 months)$90.00
Prepaid interest, first (24 days)$2,017.33
Fees + prepaids$19,617.10
Your down payment is the seller’s equity. You take over the $555,802 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $242,814.73 is due at closing. Uses and sources reconcile at $798,617.10 each. Not a Closing Disclosure.