Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$17,222Cash toward the purchase price.
Closing costs + prepaids$22,814Not just lender fees.
Before credits & paid funds$40,036The complete starting cash picture.
Estimated remaining funds due at closing
$40,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,221.81
Your down payment$17,221.81
Closing costs + prepaids$22,813.78
Total buyer cash needed$40,035.59
Remaining funds due$40,035.59
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%)$7,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,798.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,325.00
Prepaid interest, first (26 days)$3,701.89
Fees + prepaids$22,813.78
Your down payment is the seller’s equity. You take over the $759,778 balance, so the rest of the $777,000 price is paid at closing. A second mortgage can cover part of it. $40,035.59 is due at closing. Uses and sources reconcile at $799,813.78 each. Not a Closing Disclosure.