Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$184,364Cash toward the purchase price.
Closing costs + prepaids$20,548Not just lender fees.
Before credits & paid funds$204,912The complete starting cash picture.
Estimated remaining funds due at closing
$204,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,363.76
Your down payment$184,363.76
Closing costs + prepaids$20,547.93
Total buyer cash needed$204,911.69
Remaining funds due$204,911.69
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,003.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$546.50
Initial HOA (3 months)$87.51
Prepaid interest, first (25 days)$2,842.74
Fees + prepaids$20,547.93
Your down payment is the seller’s equity. You take over the $600,636 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $204,911.69 is due at closing. Uses and sources reconcile at $805,547.93 each. Not a Closing Disclosure.