Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$155,461Cash toward the purchase price.
Closing costs + prepaids$23,776Not just lender fees.
Before credits & paid funds$179,236The complete starting cash picture.
Estimated remaining funds due at closing
$179,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,460.83
Your down payment$155,460.83
Closing costs + prepaids$23,775.56
Total buyer cash needed$179,236.39
Remaining funds due$179,236.39
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,472.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,779.00
Initial HOA (3 months)$315.00
Prepaid interest, first (26 days)$3,492.36
Fees + prepaids$23,775.56
Your down payment is the seller’s equity. You take over the $694,439 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $179,236.39 is due at closing. Uses and sources reconcile at $873,675.56 each. Not a Closing Disclosure.