Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$178,213Cash toward the purchase price.
Closing costs + prepaids$22,860Not just lender fees.
Before credits & paid funds$201,073The complete starting cash picture.
Estimated remaining funds due at closing
$201,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,213.48
Your down payment$178,213.48
Closing costs + prepaids$22,859.68
Total buyer cash needed$201,073.16
Remaining funds due$201,073.16
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,183.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,145.25
Initial HOA (3 months)$600.00
Prepaid interest, first (24 days)$2,562.50
Fees + prepaids$22,859.68
Your down payment is the seller’s equity. You take over the $636,787 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $201,073.16 is due at closing. Uses and sources reconcile at $837,859.68 each. Not a Closing Disclosure.