Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$165,969Cash toward the purchase price.
Closing costs + prepaids$24,554Not just lender fees.
Before credits & paid funds$190,523The complete starting cash picture.
Estimated remaining funds due at closing
$190,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,968.95
Your down payment$165,968.95
Closing costs + prepaids$24,554.47
Total buyer cash needed$190,523.42
Remaining funds due$190,523.42
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%)$8,675.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,507.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,168.75
Initial HOA (3 months)$660.00
Prepaid interest, first (25 days)$3,325.06
Fees + prepaids$24,554.47
Your down payment is the seller’s equity. You take over the $701,531 balance, so the rest of the $867,500 price is paid at closing. A second mortgage can cover part of it. $190,523.42 is due at closing. Uses and sources reconcile at $892,054.47 each. Not a Closing Disclosure.