Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$200,655Cash toward the purchase price.
Closing costs + prepaids$22,970Not just lender fees.
Before credits & paid funds$223,625The complete starting cash picture.
Estimated remaining funds due at closing
$223,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,654.78
Your down payment$200,654.78
Closing costs + prepaids$22,970.03
Total buyer cash needed$223,624.81
Remaining funds due$223,624.81
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,246.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,124.75
Initial HOA (3 months)$231.00
Prepaid interest, first (24 days)$2,651.05
Fees + prepaids$22,970.03
Your down payment is the seller’s equity. You take over the $649,245 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $223,624.81 is due at closing. Uses and sources reconcile at $872,870.03 each. Not a Closing Disclosure.