Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$131,057Cash toward the purchase price.
Closing costs + prepaids$21,763Not just lender fees.
Before credits & paid funds$152,820The complete starting cash picture.
Estimated remaining funds due at closing
$152,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,056.69
Your down payment$131,056.69
Closing costs + prepaids$21,762.93
Total buyer cash needed$152,819.62
Remaining funds due$152,819.62
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%)$7,585.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,137.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,896.25
Prepaid interest, first (28 days)$2,926.46
Fees + prepaids$21,762.93
Your down payment is the seller’s equity. You take over the $627,443 balance, so the rest of the $758,500 price is paid at closing. A second mortgage can cover part of it. $152,819.62 is due at closing. Uses and sources reconcile at $780,262.93 each. Not a Closing Disclosure.