Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$171,771Cash toward the purchase price.
Closing costs + prepaids$21,067Not just lender fees.
Before credits & paid funds$192,838The complete starting cash picture.
Estimated remaining funds due at closing
$192,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,770.99
Your down payment$171,770.99
Closing costs + prepaids$21,066.70
Total buyer cash needed$192,837.69
Remaining funds due$192,837.69
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%)$7,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,990.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,480.75
Prepaid interest, first (24 days)$2,678.31
Fees + prepaids$21,066.70
Your down payment is the seller’s equity. You take over the $598,129 balance, so the rest of the $769,900 price is paid at closing. A second mortgage can cover part of it. $192,837.69 is due at closing. Uses and sources reconcile at $790,966.70 each. Not a Closing Disclosure.