Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$130,446Cash toward the purchase price.
Closing costs + prepaids$19,431Not just lender fees.
Before credits & paid funds$149,877The complete starting cash picture.
Estimated remaining funds due at closing
$149,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,445.68
Your down payment$130,445.68
Closing costs + prepaids$19,431.14
Total buyer cash needed$149,876.82
Remaining funds due$149,876.82
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%)$3,197.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$924.00
Initial HOA (3 months)$60.00
Prepaid interest, first (12 days)$1,332.87
Fees + prepaids$19,431.14
Your down payment is the seller’s equity. You take over the $639,454 balance, so the rest of the $769,900 price is paid at closing. A second mortgage can cover part of it. $149,876.82 is due at closing. Uses and sources reconcile at $789,331.14 each. Not a Closing Disclosure.