Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$163,809Cash toward the purchase price.
Closing costs + prepaids$22,554Not just lender fees.
Before credits & paid funds$186,363The complete starting cash picture.
Estimated remaining funds due at closing
$186,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,809.18
Your down payment$163,809.18
Closing costs + prepaids$22,554.19
Total buyer cash needed$186,363.37
Remaining funds due$186,363.37
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,425.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Prepaid interest, first (24 days)$2,297.74
Fees + prepaids$22,554.19
Your down payment is the seller’s equity. You take over the $685,191 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $186,363.37 is due at closing. Uses and sources reconcile at $871,554.19 each. Not a Closing Disclosure.