Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$136,032Cash toward the purchase price.
Closing costs + prepaids$20,528Not just lender fees.
Before credits & paid funds$156,561The complete starting cash picture.
Estimated remaining funds due at closing
$156,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,032.21
Your down payment$136,032.21
Closing costs + prepaids$20,528.32
Total buyer cash needed$156,560.54
Remaining funds due$156,560.54
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%)$7,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,164.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$747.25
Prepaid interest, first (23 days)$2,708.24
Fees + prepaids$20,528.32
Your down payment is the seller’s equity. You take over the $632,968 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $156,560.54 is due at closing. Uses and sources reconcile at $789,528.32 each. Not a Closing Disclosure.