Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$172,075Cash toward the purchase price.
Closing costs + prepaids$20,231Not just lender fees.
Before credits & paid funds$192,307The complete starting cash picture.
Estimated remaining funds due at closing
$192,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,075.44
Your down payment$172,075.44
Closing costs + prepaids$20,231.36
Total buyer cash needed$192,306.80
Remaining funds due$192,306.80
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,014.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Prepaid interest, first (27 days)$1,311.24
Fees + prepaids$20,231.36
Your down payment is the seller’s equity. You take over the $602,925 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $192,306.80 is due at closing. Uses and sources reconcile at $795,231.36 each. Not a Closing Disclosure.