Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,449Cash toward the purchase price.
Closing costs + prepaids$20,926Not just lender fees.
Before credits & paid funds$125,375The complete starting cash picture.
Estimated remaining funds due at closing
$125,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,449.10
Your down payment$104,449.10
Closing costs + prepaids$20,926.24
Total buyer cash needed$125,375.34
Remaining funds due$125,375.34
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%)$3,327.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$779.75
Initial HOA (3 months)$42.51
Prepaid interest, first (25 days)$2,858.22
Fees + prepaids$20,926.24
Your down payment is the seller’s equity. You take over the $665,551 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $125,375.34 is due at closing. Uses and sources reconcile at $790,926.24 each. Not a Closing Disclosure.