Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$152,034Cash toward the purchase price.
Closing costs + prepaids$18,530Not just lender fees.
Before credits & paid funds$170,565The complete starting cash picture.
Estimated remaining funds due at closing
$170,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,034.34
Your down payment$152,034.34
Closing costs + prepaids$18,530.25
Total buyer cash needed$170,564.60
Remaining funds due$170,564.60
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%)$3,114.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$785.50
Initial HOA (3 months)$438.00
Prepaid interest, first (2 days)$223.93
Fees + prepaids$18,530.25
Your down payment is the seller’s equity. You take over the $622,966 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $170,564.60 is due at closing. Uses and sources reconcile at $793,530.25 each. Not a Closing Disclosure.