Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$178,033Cash toward the purchase price.
Closing costs + prepaids$19,300Not just lender fees.
Before credits & paid funds$197,332The complete starting cash picture.
Estimated remaining funds due at closing
$197,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,032.86
Your down payment$178,032.86
Closing costs + prepaids$19,299.54
Total buyer cash needed$197,332.40
Remaining funds due$197,332.40
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,059.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,975.00
Prepaid interest, first (2 days)$146.70
Fees + prepaids$19,299.54
Your down payment is the seller’s equity. You take over the $611,967 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $197,332.40 is due at closing. Uses and sources reconcile at $809,299.54 each. Not a Closing Disclosure.