Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$157,851Cash toward the purchase price.
Closing costs + prepaids$19,504Not just lender fees.
Before credits & paid funds$177,356The complete starting cash picture.
Estimated remaining funds due at closing
$177,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,851.20
Your down payment$157,851.20
Closing costs + prepaids$19,504.33
Total buyer cash needed$177,355.53
Remaining funds due$177,355.53
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,005.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$903.00
Initial HOA (3 months)$261.00
Prepaid interest, first (31 days)$1,526.59
Fees + prepaids$19,504.33
Your down payment is the seller’s equity. You take over the $601,149 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $177,355.53 is due at closing. Uses and sources reconcile at $778,504.33 each. Not a Closing Disclosure.