Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$158,336Cash toward the purchase price.
Closing costs + prepaids$21,992Not just lender fees.
Before credits & paid funds$180,328The complete starting cash picture.
Estimated remaining funds due at closing
$180,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,336.01
Your down payment$158,336.01
Closing costs + prepaids$21,991.90
Total buyer cash needed$180,327.91
Remaining funds due$180,327.91
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,133.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,663.50
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$2,977.08
Fees + prepaids$21,991.90
Your down payment is the seller’s equity. You take over the $626,664 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $180,327.91 is due at closing. Uses and sources reconcile at $806,991.90 each. Not a Closing Disclosure.