Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$204,317Cash toward the purchase price.
Closing costs + prepaids$18,321Not just lender fees.
Before credits & paid funds$222,638The complete starting cash picture.
Estimated remaining funds due at closing
$222,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,316.72
Your down payment$204,316.72
Closing costs + prepaids$18,321.38
Total buyer cash needed$222,638.10
Remaining funds due$222,638.10
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%)$2,828.42
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)$372.00
Prepaid interest, first (6 days)$278.97
Fees + prepaids$18,321.38
Your down payment is the seller’s equity. You take over the $565,683 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $222,638.10 is due at closing. Uses and sources reconcile at $788,321.38 each. Not a Closing Disclosure.