Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$159,309Cash toward the purchase price.
Closing costs + prepaids$20,354Not just lender fees.
Before credits & paid funds$179,662The complete starting cash picture.
Estimated remaining funds due at closing
$179,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,308.71
Your down payment$159,308.71
Closing costs + prepaids$20,353.61
Total buyer cash needed$179,662.33
Remaining funds due$179,662.33
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%)$7,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,043.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,215.25
Initial HOA (3 months)$375.00
Prepaid interest, first (23 days)$1,821.90
Fees + prepaids$20,353.61
Your down payment is the seller’s equity. You take over the $608,691 balance, so the rest of the $768,000 price is paid at closing. A second mortgage can cover part of it. $179,662.33 is due at closing. Uses and sources reconcile at $788,353.61 each. Not a Closing Disclosure.