Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$172,677Cash toward the purchase price.
Closing costs + prepaids$21,018Not just lender fees.
Before credits & paid funds$193,695The complete starting cash picture.
Estimated remaining funds due at closing
$193,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,676.90
Your down payment$172,676.90
Closing costs + prepaids$21,018.19
Total buyer cash needed$193,695.09
Remaining funds due$193,695.09
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%)$2,986.12
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 (25 days)$2,634.33
Fees + prepaids$21,018.19
Your down payment is the seller’s equity. You take over the $597,223 balance, so the rest of the $769,900 price is paid at closing. A second mortgage can cover part of it. $193,695.09 is due at closing. Uses and sources reconcile at $790,918.19 each. Not a Closing Disclosure.