Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$160,927Cash toward the purchase price.
Closing costs + prepaids$21,497Not just lender fees.
Before credits & paid funds$182,425The complete starting cash picture.
Estimated remaining funds due at closing
$182,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,927.30
Your down payment$160,927.30
Closing costs + prepaids$21,497.33
Total buyer cash needed$182,424.63
Remaining funds due$182,424.63
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,270.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,784.75
Initial HOA (3 months)$174.00
Prepaid interest, first (22 days)$1,900.22
Fees + prepaids$21,497.33
Your down payment is the seller’s equity. You take over the $654,073 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $182,424.63 is due at closing. Uses and sources reconcile at $836,497.33 each. Not a Closing Disclosure.