Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$193,822Cash toward the purchase price.
Closing costs + prepaids$22,049Not just lender fees.
Before credits & paid funds$215,871The complete starting cash picture.
Estimated remaining funds due at closing
$215,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,821.56
Your down payment$193,821.56
Closing costs + prepaids$22,049.43
Total buyer cash needed$215,870.99
Remaining funds due$215,870.99
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,905.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Prepaid interest, first (31 days)$3,238.04
Fees + prepaids$22,049.43
Your down payment is the seller’s equity. You take over the $581,178 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $215,870.99 is due at closing. Uses and sources reconcile at $797,049.43 each. Not a Closing Disclosure.