Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$199,634Cash toward the purchase price.
Closing costs + prepaids$18,317Not just lender fees.
Before credits & paid funds$217,951The complete starting cash picture.
Estimated remaining funds due at closing
$217,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,633.89
Your down payment$199,633.89
Closing costs + prepaids$18,317.00
Total buyer cash needed$217,950.90
Remaining funds due$217,950.90
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%)$7,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,851.83
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)$9.99
Prepaid interest, first (6 days)$613.18
Fees + prepaids$18,317.00
Your down payment is the seller’s equity. You take over the $570,366 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $217,950.90 is due at closing. Uses and sources reconcile at $788,317.00 each. Not a Closing Disclosure.