Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$157,529Cash toward the purchase price.
Closing costs + prepaids$20,729Not just lender fees.
Before credits & paid funds$178,257The complete starting cash picture.
Estimated remaining funds due at closing
$178,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,528.71
Your down payment$157,528.71
Closing costs + prepaids$20,728.68
Total buyer cash needed$178,257.38
Remaining funds due$178,257.38
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%)$3,087.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$182.50
Initial HOA (3 months)$12.51
Prepaid interest, first (29 days)$3,478.31
Fees + prepaids$20,728.68
Your down payment is the seller’s equity. You take over the $617,471 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $178,257.38 is due at closing. Uses and sources reconcile at $795,728.68 each. Not a Closing Disclosure.