Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$177,487Cash toward the purchase price.
Closing costs + prepaids$20,372Not just lender fees.
Before credits & paid funds$197,859The complete starting cash picture.
Estimated remaining funds due at closing
$197,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,487.38
Your down payment$177,487.38
Closing costs + prepaids$20,371.86
Total buyer cash needed$197,859.24
Remaining funds due$197,859.24
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,907.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,174.75
Prepaid interest, first (24 days)$2,481.55
Fees + prepaids$20,371.86
Your down payment is the seller’s equity. You take over the $581,513 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $197,859.24 is due at closing. Uses and sources reconcile at $779,371.86 each. Not a Closing Disclosure.