Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$169,031Cash toward the purchase price.
Closing costs + prepaids$21,994Not just lender fees.
Before credits & paid funds$191,025The complete starting cash picture.
Estimated remaining funds due at closing
$191,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,030.93
Your down payment$169,030.93
Closing costs + prepaids$21,993.61
Total buyer cash needed$191,024.54
Remaining funds due$191,024.54
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%)$8,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,254.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,049.75
Prepaid interest, first (27 days)$2,272.51
Fees + prepaids$21,993.61
Your down payment is the seller’s equity. You take over the $650,869 balance, so the rest of the $819,900 price is paid at closing. A second mortgage can cover part of it. $191,024.54 is due at closing. Uses and sources reconcile at $841,893.61 each. Not a Closing Disclosure.