Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$180,299Cash toward the purchase price.
Closing costs + prepaids$20,937Not just lender fees.
Before credits & paid funds$201,237The complete starting cash picture.
Estimated remaining funds due at closing
$201,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,299.40
Your down payment$180,299.40
Closing costs + prepaids$20,937.44
Total buyer cash needed$201,236.84
Remaining funds due$201,236.84
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%)$3,173.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,037.50
Prepaid interest, first (28 days)$1,358.43
Fees + prepaids$20,937.44
Your down payment is the seller’s equity. You take over the $634,701 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $201,236.84 is due at closing. Uses and sources reconcile at $835,937.44 each. Not a Closing Disclosure.