Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,307Cash toward the purchase price.
Closing costs + prepaids$23,925Not just lender fees.
Before credits & paid funds$182,232The complete starting cash picture.
Estimated remaining funds due at closing
$182,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,307.48
Your down payment$158,307.48
Closing costs + prepaids$23,924.57
Total buyer cash needed$182,232.05
Remaining funds due$182,232.05
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%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,553.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,172.50
Prepaid interest, first (26 days)$3,290.60
Fees + prepaids$23,924.57
Your down payment is the seller’s equity. You take over the $710,693 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $182,232.05 is due at closing. Uses and sources reconcile at $892,924.57 each. Not a Closing Disclosure.