Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$179,277Cash toward the purchase price.
Closing costs + prepaids$23,468Not just lender fees.
Before credits & paid funds$202,745The complete starting cash picture.
Estimated remaining funds due at closing
$202,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,277.38
Your down payment$179,277.38
Closing costs + prepaids$23,467.84
Total buyer cash needed$202,745.21
Remaining funds due$202,745.21
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%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,928.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,242.00
Prepaid interest, first (29 days)$2,429.22
Fees + prepaids$23,467.84
Your down payment is the seller’s equity. You take over the $585,723 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $202,745.21 is due at closing. Uses and sources reconcile at $788,467.84 each. Not a Closing Disclosure.