Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$239,803Cash toward the purchase price.
Closing costs + prepaids$17,719Not just lender fees.
Before credits & paid funds$257,522The complete starting cash picture.
Estimated remaining funds due at closing
$257,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,803.09
Your down payment$239,803.09
Closing costs + prepaids$17,718.55
Total buyer cash needed$257,521.63
Remaining funds due$257,521.63
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%)$7,679.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,640.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$921.50
Prepaid interest, first (6 days)$259.56
Fees + prepaids$17,718.55
Your down payment is the seller’s equity. You take over the $528,097 balance, so the rest of the $767,900 price is paid at closing. A second mortgage can cover part of it. $257,521.63 is due at closing. Uses and sources reconcile at $785,618.55 each. Not a Closing Disclosure.