Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$169,867Cash toward the purchase price.
Closing costs + prepaids$21,057Not just lender fees.
Before credits & paid funds$190,924The complete starting cash picture.
Estimated remaining funds due at closing
$190,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,867.05
Your down payment$169,867.05
Closing costs + prepaids$21,056.71
Total buyer cash needed$190,923.76
Remaining funds due$190,923.76
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,400.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,098.75
Initial HOA (3 months)$22.50
Prepaid interest, first (26 days)$1,816.79
Fees + prepaids$21,056.71
Your down payment is the seller’s equity. You take over the $680,133 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $190,923.76 is due at closing. Uses and sources reconcile at $871,056.71 each. Not a Closing Disclosure.