Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$194,874Cash toward the purchase price.
Closing costs + prepaids$23,663Not just lender fees.
Before credits & paid funds$218,537The complete starting cash picture.
Estimated remaining funds due at closing
$218,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,874.08
Your down payment$194,874.08
Closing costs + prepaids$23,662.61
Total buyer cash needed$218,536.69
Remaining funds due$218,536.69
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,520.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Prepaid interest, first (22 days)$2,686.48
Fees + prepaids$23,662.61
Your down payment is the seller’s equity. You take over the $704,126 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $218,536.69 is due at closing. Uses and sources reconcile at $922,662.61 each. Not a Closing Disclosure.