Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$152,485Cash toward the purchase price.
Closing costs + prepaids$23,428Not just lender fees.
Before credits & paid funds$175,913The complete starting cash picture.
Estimated remaining funds due at closing
$175,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,485.47
Your down payment$152,485.47
Closing costs + prepaids$23,427.69
Total buyer cash needed$175,913.16
Remaining funds due$175,913.16
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%)$8,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,537.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,300.00
Prepaid interest, first (28 days)$3,772.12
Fees + prepaids$23,427.69
Your down payment is the seller’s equity. You take over the $707,515 balance, so the rest of the $860,000 price is paid at closing. A second mortgage can cover part of it. $175,913.16 is due at closing. Uses and sources reconcile at $883,427.69 each. Not a Closing Disclosure.