Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$203,477Cash toward the purchase price.
Closing costs + prepaids$23,588Not just lender fees.
Before credits & paid funds$227,065The complete starting cash picture.
Estimated remaining funds due at closing
$227,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,477.31
Your down payment$203,477.31
Closing costs + prepaids$23,587.52
Total buyer cash needed$227,064.83
Remaining funds due$227,064.83
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%)$8,699.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,332.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,175.00
Initial HOA (3 months)$432.00
Prepaid interest, first (23 days)$2,729.98
Fees + prepaids$23,587.52
Your down payment is the seller’s equity. You take over the $666,518 balance, so the rest of the $869,995 price is paid at closing. A second mortgage can cover part of it. $227,064.83 is due at closing. Uses and sources reconcile at $893,582.52 each. Not a Closing Disclosure.