Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$132,375Cash toward the purchase price.
Closing costs + prepaids$21,757Not just lender fees.
Before credits & paid funds$154,133The complete starting cash picture.
Estimated remaining funds due at closing
$154,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,375.23
Your down payment$132,375.23
Closing costs + prepaids$21,757.41
Total buyer cash needed$154,132.64
Remaining funds due$154,132.64
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%)$7,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,233.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,947.50
Prepaid interest, first (29 days)$2,568.78
Fees + prepaids$21,757.41
Your down payment is the seller’s equity. You take over the $646,625 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $154,132.64 is due at closing. Uses and sources reconcile at $800,757.41 each. Not a Closing Disclosure.