Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$186,980Cash toward the purchase price.
Closing costs + prepaids$21,962Not just lender fees.
Before credits & paid funds$208,942The complete starting cash picture.
Estimated remaining funds due at closing
$208,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,980.21
Your down payment$186,980.21
Closing costs + prepaids$21,961.77
Total buyer cash needed$208,941.97
Remaining funds due$208,941.97
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%)$8,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,300.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$978.75
Initial HOA (3 months)$1,719.00
Prepaid interest, first (24 days)$1,275.92
Fees + prepaids$21,961.77
Your down payment is the seller’s equity. You take over the $660,020 balance, so the rest of the $847,000 price is paid at closing. A second mortgage can cover part of it. $208,941.97 is due at closing. Uses and sources reconcile at $868,961.77 each. Not a Closing Disclosure.