Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$187,029Cash toward the purchase price.
Closing costs + prepaids$21,598Not just lender fees.
Before credits & paid funds$208,627The complete starting cash picture.
Estimated remaining funds due at closing
$208,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,029.30
Your down payment$187,029.30
Closing costs + prepaids$21,597.64
Total buyer cash needed$208,626.94
Remaining funds due$208,626.94
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%)$7,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,914.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,925.00
Prepaid interest, first (28 days)$2,839.79
Fees + prepaids$21,597.64
Your down payment is the seller’s equity. You take over the $582,971 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $208,626.94 is due at closing. Uses and sources reconcile at $791,597.64 each. Not a Closing Disclosure.