Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$187,937Cash toward the purchase price.
Closing costs + prepaids$20,123Not just lender fees.
Before credits & paid funds$208,060The complete starting cash picture.
Estimated remaining funds due at closing
$208,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,936.77
Your down payment$187,936.77
Closing costs + prepaids$20,122.88
Total buyer cash needed$208,059.64
Remaining funds due$208,059.64
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%)$8,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,310.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$42.00
Prepaid interest, first (23 days)$2,052.57
Fees + prepaids$20,122.88
Your down payment is the seller’s equity. You take over the $662,062 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $208,059.64 is due at closing. Uses and sources reconcile at $870,121.88 each. Not a Closing Disclosure.