Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$195,757Cash toward the purchase price.
Closing costs + prepaids$19,588Not just lender fees.
Before credits & paid funds$215,345The complete starting cash picture.
Estimated remaining funds due at closing
$215,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,756.89
Your down payment$195,756.89
Closing costs + prepaids$19,587.85
Total buyer cash needed$215,344.74
Remaining funds due$215,344.74
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%)$7,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,820.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,613.50
Prepaid interest, first (23 days)$1,336.63
Fees + prepaids$19,587.85
Your down payment is the seller’s equity. You take over the $564,143 balance, so the rest of the $759,900 price is paid at closing. A second mortgage can cover part of it. $215,344.74 is due at closing. Uses and sources reconcile at $779,487.85 each. Not a Closing Disclosure.