Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$163,359Cash toward the purchase price.
Closing costs + prepaids$22,163Not just lender fees.
Before credits & paid funds$185,522The complete starting cash picture.
Estimated remaining funds due at closing
$185,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,359.22
Your down payment$163,359.22
Closing costs + prepaids$22,162.62
Total buyer cash needed$185,521.84
Remaining funds due$185,521.84
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%)$8,879.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,623.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,757.25
Initial HOA (3 months)$312.00
Prepaid interest, first (24 days)$1,372.24
Fees + prepaids$22,162.62
Your down payment is the seller’s equity. You take over the $724,636 balance, so the rest of the $887,995 price is paid at closing. A second mortgage can cover part of it. $185,521.84 is due at closing. Uses and sources reconcile at $910,157.62 each. Not a Closing Disclosure.