Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,478Cash toward the purchase price.
Closing costs + prepaids$21,462Not just lender fees.
Before credits & paid funds$136,940The complete starting cash picture.
Estimated remaining funds due at closing
$136,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,478.32
Your down payment$115,478.32
Closing costs + prepaids$21,461.74
Total buyer cash needed$136,940.06
Remaining funds due$136,940.06
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%)$3,297.61
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 (25 days)$2,258.64
Fees + prepaids$21,461.74
Your down payment is the seller’s equity. You take over the $659,522 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $136,940.06 is due at closing. Uses and sources reconcile at $796,461.74 each. Not a Closing Disclosure.