Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,821Cash toward the purchase price.
Closing costs + prepaids$42,002Not just lender fees.
Before credits & paid funds$215,823The complete starting cash picture.
Estimated remaining funds due at closing
$215,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,821.10
Your down payment$173,821.10
Closing costs + prepaids$42,002.22
Total buyer cash needed$215,823.32
Remaining funds due$215,823.32
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%)$16,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,630.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,250.00
Prepaid interest, first (26 days)$6,903.34
Fees + prepaids$42,002.22
Your down payment is the seller’s equity. You take over the $1,526,178 balance, so the rest of the $1,699,999 price is paid at closing. A second mortgage can cover part of it. $215,823.32 is due at closing. Uses and sources reconcile at $1,742,001.22 each. Not a Closing Disclosure.