Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$154,809Cash toward the purchase price.
Closing costs + prepaids$23,153Not just lender fees.
Before credits & paid funds$177,962The complete starting cash picture.
Estimated remaining funds due at closing
$177,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,808.93
Your down payment$154,808.93
Closing costs + prepaids$23,152.70
Total buyer cash needed$177,961.63
Remaining funds due$177,961.63
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%)$8,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,575.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,539.00
Initial HOA (3 months)$447.00
Prepaid interest, first (26 days)$2,674.24
Fees + prepaids$23,152.70
Your down payment is the seller’s equity. You take over the $715,091 balance, so the rest of the $869,900 price is paid at closing. A second mortgage can cover part of it. $177,961.63 is due at closing. Uses and sources reconcile at $893,052.70 each. Not a Closing Disclosure.