Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$157,190Cash toward the purchase price.
Closing costs + prepaids$23,656Not just lender fees.
Before credits & paid funds$180,846The complete starting cash picture.
Estimated remaining funds due at closing
$180,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,190.31
Your down payment$157,190.31
Closing costs + prepaids$23,656.14
Total buyer cash needed$180,846.46
Remaining funds due$180,846.46
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%)$8,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,659.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,222.50
Prepaid interest, first (28 days)$2,666.59
Fees + prepaids$23,656.14
Your down payment is the seller’s equity. You take over the $731,810 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $180,846.46 is due at closing. Uses and sources reconcile at $912,656.14 each. Not a Closing Disclosure.