Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$185,429Cash toward the purchase price.
Closing costs + prepaids$20,186Not just lender fees.
Before credits & paid funds$205,615The complete starting cash picture.
Estimated remaining funds due at closing
$205,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,429.00
Your down payment$185,429.00
Closing costs + prepaids$20,185.80
Total buyer cash needed$205,614.81
Remaining funds due$205,614.81
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%)$7,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,922.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,925.00
Prepaid interest, first (31 days)$1,419.95
Fees + prepaids$20,185.80
Your down payment is the seller’s equity. You take over the $584,571 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $205,614.81 is due at closing. Uses and sources reconcile at $790,185.80 each. Not a Closing Disclosure.