Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,489Cash toward the purchase price.
Closing costs + prepaids$21,488Not just lender fees.
Before credits & paid funds$153,977The complete starting cash picture.
Estimated remaining funds due at closing
$153,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,488.52
Your down payment$132,488.52
Closing costs + prepaids$21,488.45
Total buyer cash needed$153,976.96
Remaining funds due$153,976.96
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,582.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$837.50
Initial HOA (3 months)$500.01
Prepaid interest, first (27 days)$1,860.38
Fees + prepaids$21,488.45
Your down payment is the seller’s equity. You take over the $716,511 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $153,976.96 is due at closing. Uses and sources reconcile at $870,488.45 each. Not a Closing Disclosure.