Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$154,646Cash toward the purchase price.
Closing costs + prepaids$18,731Not just lender fees.
Before credits & paid funds$173,377The complete starting cash picture.
Estimated remaining funds due at closing
$173,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,645.91
Your down payment$154,645.91
Closing costs + prepaids$18,731.46
Total buyer cash needed$173,377.38
Remaining funds due$173,377.38
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%)$7,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,066.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,215.25
Initial HOA (3 months)$375.00
Prepaid interest, first (2 days)$176.44
Fees + prepaids$18,731.46
Your down payment is the seller’s equity. You take over the $613,354 balance, so the rest of the $768,000 price is paid at closing. A second mortgage can cover part of it. $173,377.38 is due at closing. Uses and sources reconcile at $786,731.46 each. Not a Closing Disclosure.