Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$140,579Cash toward the purchase price.
Closing costs + prepaids$22,493Not just lender fees.
Before credits & paid funds$163,073The complete starting cash picture.
Estimated remaining funds due at closing
$163,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,579.36
Your down payment$140,579.36
Closing costs + prepaids$22,493.23
Total buyer cash needed$163,072.59
Remaining funds due$163,072.59
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%)$3,547.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Initial HOA (3 months)$384.00
Prepaid interest, first (29 days)$1,719.13
Fees + prepaids$22,493.23
Your down payment is the seller’s equity. You take over the $709,421 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $163,072.59 is due at closing. Uses and sources reconcile at $872,493.23 each. Not a Closing Disclosure.