Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$199,634Cash toward the purchase price.
Closing costs + prepaids$20,109Not just lender fees.
Before credits & paid funds$219,743The complete starting cash picture.
Estimated remaining funds due at closing
$219,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,633.89
Your down payment$199,633.89
Closing costs + prepaids$20,108.70
Total buyer cash needed$219,742.59
Remaining funds due$219,742.59
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%)$7,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,851.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$671.75
Initial HOA (3 months)$9.99
Prepaid interest, first (26 days)$2,657.12
Fees + prepaids$20,108.70
Your down payment is the seller’s equity. You take over the $570,366 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $219,742.59 is due at closing. Uses and sources reconcile at $790,108.70 each. Not a Closing Disclosure.