Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$167,364Cash toward the purchase price.
Closing costs + prepaids$21,185Not just lender fees.
Before credits & paid funds$188,549The complete starting cash picture.
Estimated remaining funds due at closing
$188,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,363.91
Your down payment$167,363.91
Closing costs + prepaids$21,184.73
Total buyer cash needed$188,548.63
Remaining funds due$188,548.63
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,413.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,086.00
Initial HOA (3 months)$22.50
Prepaid interest, first (26 days)$1,945.05
Fees + prepaids$21,184.73
Your down payment is the seller’s equity. You take over the $682,636 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $188,548.63 is due at closing. Uses and sources reconcile at $871,184.73 each. Not a Closing Disclosure.