Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$171,384Cash toward the purchase price.
Closing costs + prepaids$21,569Not just lender fees.
Before credits & paid funds$192,953The complete starting cash picture.
Estimated remaining funds due at closing
$192,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,383.98
Your down payment$171,383.98
Closing costs + prepaids$21,569.30
Total buyer cash needed$192,953.28
Remaining funds due$192,953.28
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%)$7,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,017.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,171.50
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$3,188.22
Fees + prepaids$21,569.30
Your down payment is the seller’s equity. You take over the $603,516 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $192,953.28 is due at closing. Uses and sources reconcile at $796,469.30 each. Not a Closing Disclosure.