Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$173,995Cash toward the purchase price.
Closing costs + prepaids$20,638Not just lender fees.
Before credits & paid funds$194,633The complete starting cash picture.
Estimated remaining funds due at closing
$194,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,995.49
Your down payment$173,995.49
Closing costs + prepaids$20,637.96
Total buyer cash needed$194,633.45
Remaining funds due$194,633.45
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%)$3,380.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,013.50
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$1,226.44
Fees + prepaids$20,637.96
Your down payment is the seller’s equity. You take over the $676,005 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $194,633.45 is due at closing. Uses and sources reconcile at $870,637.96 each. Not a Closing Disclosure.