Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$181,278Cash toward the purchase price.
Closing costs + prepaids$22,066Not just lender fees.
Before credits & paid funds$203,344The complete starting cash picture.
Estimated remaining funds due at closing
$203,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,277.75
Your down payment$181,277.75
Closing costs + prepaids$22,066.43
Total buyer cash needed$203,344.18
Remaining funds due$203,344.18
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%)$8,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,368.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$969.75
Initial HOA (3 months)$51.99
Prepaid interest, first (23 days)$2,908.08
Fees + prepaids$22,066.43
Your down payment is the seller’s equity. You take over the $673,722 balance, so the rest of the $855,000 price is paid at closing. A second mortgage can cover part of it. $203,344.18 is due at closing. Uses and sources reconcile at $877,066.43 each. Not a Closing Disclosure.