Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,064Cash toward the purchase price.
Closing costs + prepaids$19,399Not just lender fees.
Before credits & paid funds$177,464The complete starting cash picture.
Estimated remaining funds due at closing
$177,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,064.10
Your down payment$158,064.10
Closing costs + prepaids$19,399.41
Total buyer cash needed$177,463.51
Remaining funds due$177,463.51
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%)$7,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,109.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$869.25
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$1,302.49
Fees + prepaids$19,399.41
Your down payment is the seller’s equity. You take over the $621,936 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $177,463.51 is due at closing. Uses and sources reconcile at $799,399.41 each. Not a Closing Disclosure.