Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$157,585Cash toward the purchase price.
Closing costs + prepaids$21,443Not just lender fees.
Before credits & paid funds$179,028The complete starting cash picture.
Estimated remaining funds due at closing
$179,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,584.60
Your down payment$157,584.60
Closing costs + prepaids$21,443.45
Total buyer cash needed$179,028.05
Remaining funds due$179,028.05
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%)$3,462.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$680.00
Prepaid interest, first (22 days)$2,583.37
Fees + prepaids$21,443.45
Your down payment is the seller’s equity. You take over the $692,415 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $179,028.05 is due at closing. Uses and sources reconcile at $871,443.45 each. Not a Closing Disclosure.