Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$158,064Cash toward the purchase price.
Closing costs + prepaids$18,765Not just lender fees.
Before credits & paid funds$176,829The complete starting cash picture.
Estimated remaining funds due at closing
$176,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,064.10
Your down payment$158,064.10
Closing costs + prepaids$18,764.82
Total buyer cash needed$176,828.92
Remaining funds due$176,828.92
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%)$7,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,109.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$936.00
Initial HOA (3 months)$99.99
Prepaid interest, first (12 days)$601.15
Fees + prepaids$18,764.82
Your down payment is the seller’s equity. You take over the $621,936 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $176,828.92 is due at closing. Uses and sources reconcile at $798,764.82 each. Not a Closing Disclosure.