Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$171,770Cash toward the purchase price.
Closing costs + prepaids$19,171Not just lender fees.
Before credits & paid funds$190,941The complete starting cash picture.
Estimated remaining funds due at closing
$190,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,769.99
Your down payment$171,769.99
Closing costs + prepaids$19,170.79
Total buyer cash needed$190,940.78
Remaining funds due$190,940.78
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%)$7,698.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,990.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$924.00
Prepaid interest, first (12 days)$1,339.15
Fees + prepaids$19,170.79
Your down payment is the seller’s equity. You take over the $598,129 balance, so the rest of the $769,899 price is paid at closing. A second mortgage can cover part of it. $190,940.78 is due at closing. Uses and sources reconcile at $789,069.79 each. Not a Closing Disclosure.