Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$138,135Cash toward the purchase price.
Closing costs + prepaids$22,751Not just lender fees.
Before credits & paid funds$160,886The complete starting cash picture.
Estimated remaining funds due at closing
$160,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,134.97
Your down payment$138,134.97
Closing costs + prepaids$22,750.67
Total buyer cash needed$160,885.64
Remaining funds due$160,885.64
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%)$7,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,158.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,970.00
Initial HOA (3 months)$231.00
Prepaid interest, first (30 days)$3,473.84
Fees + prepaids$22,750.67
Your down payment is the seller’s equity. You take over the $631,765 balance, so the rest of the $769,900 price is paid at closing. A second mortgage can cover part of it. $160,885.64 is due at closing. Uses and sources reconcile at $792,650.67 each. Not a Closing Disclosure.