Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$149,582Cash toward the purchase price.
Closing costs + prepaids$20,958Not just lender fees.
Before credits & paid funds$170,540The complete starting cash picture.
Estimated remaining funds due at closing
$170,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,582.45
Your down payment$149,582.45
Closing costs + prepaids$20,957.75
Total buyer cash needed$170,540.20
Remaining funds due$170,540.20
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%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,077.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$944.00
Prepaid interest, first (28 days)$3,068.66
Fees + prepaids$20,957.75
Your down payment is the seller’s equity. You take over the $615,418 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $170,540.20 is due at closing. Uses and sources reconcile at $785,957.75 each. Not a Closing Disclosure.