Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$178,140Cash toward the purchase price.
Closing costs + prepaids$19,665Not just lender fees.
Before credits & paid funds$197,806The complete starting cash picture.
Estimated remaining funds due at closing
$197,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,140.37
Your down payment$178,140.37
Closing costs + prepaids$19,665.23
Total buyer cash needed$197,805.60
Remaining funds due$197,805.60
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,909.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$18.75
Prepaid interest, first (28 days)$2,919.18
Fees + prepaids$19,665.23
Your down payment is the seller’s equity. You take over the $581,860 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $197,805.60 is due at closing. Uses and sources reconcile at $779,665.23 each. Not a Closing Disclosure.