Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$84,191Cash toward the purchase price.
Closing costs + prepaids$20,387Not just lender fees.
Before credits & paid funds$104,578The complete starting cash picture.
Estimated remaining funds due at closing
$104,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,191.27
Your down payment$84,191.27
Closing costs + prepaids$20,387.01
Total buyer cash needed$104,578.28
Remaining funds due$104,578.28
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%)$3,454.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$659.75
Prepaid interest, first (20 days)$2,305.22
Fees + prepaids$20,387.01
Your down payment is the seller’s equity. You take over the $690,809 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $104,578.28 is due at closing. Uses and sources reconcile at $795,387.01 each. Not a Closing Disclosure.