Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$96,672Cash toward the purchase price.
Closing costs + prepaids$22,734Not just lender fees.
Before credits & paid funds$119,406The complete starting cash picture.
Estimated remaining funds due at closing
$119,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,671.72
Your down payment$96,671.72
Closing costs + prepaids$22,734.31
Total buyer cash needed$119,406.03
Remaining funds due$119,406.03
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%)$3,391.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Prepaid interest, first (27 days)$3,437.17
Fees + prepaids$22,734.31
Your down payment is the seller’s equity. You take over the $678,328 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $119,406.03 is due at closing. Uses and sources reconcile at $797,734.31 each. Not a Closing Disclosure.