Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$82,529Cash toward the purchase price.
Closing costs + prepaids$20,639Not just lender fees.
Before credits & paid funds$103,168The complete starting cash picture.
Estimated remaining funds due at closing
$103,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,529.21
Your down payment$82,529.21
Closing costs + prepaids$20,638.80
Total buyer cash needed$103,168.01
Remaining funds due$103,168.01
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%)$7,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,461.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$968.75
Prepaid interest, first (17 days)$2,241.19
Fees + prepaids$20,638.80
Your down payment is the seller’s equity. You take over the $692,371 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $103,168.01 is due at closing. Uses and sources reconcile at $795,538.80 each. Not a Closing Disclosure.