Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$158,747Cash toward the purchase price.
Closing costs + prepaids$21,283Not just lender fees.
Before credits & paid funds$180,030The complete starting cash picture.
Estimated remaining funds due at closing
$180,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,747.34
Your down payment$158,747.34
Closing costs + prepaids$21,282.86
Total buyer cash needed$180,030.20
Remaining funds due$180,030.20
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,451.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$863.50
Initial HOA (3 months)$254.01
Prepaid interest, first (24 days)$2,006.08
Fees + prepaids$21,282.86
Your down payment is the seller’s equity. You take over the $690,253 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $180,030.20 is due at closing. Uses and sources reconcile at $870,282.86 each. Not a Closing Disclosure.