Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$169,482Cash toward the purchase price.
Closing costs + prepaids$21,046Not just lender fees.
Before credits & paid funds$190,528The complete starting cash picture.
Estimated remaining funds due at closing
$190,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,482.18
Your down payment$169,482.18
Closing costs + prepaids$21,045.53
Total buyer cash needed$190,527.71
Remaining funds due$190,527.71
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%)$8,248.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,277.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$699.75
Prepaid interest, first (23 days)$2,601.87
Fees + prepaids$21,045.53
Your down payment is the seller’s equity. You take over the $655,406 balance, so the rest of the $824,888 price is paid at closing. A second mortgage can cover part of it. $190,527.71 is due at closing. Uses and sources reconcile at $845,933.53 each. Not a Closing Disclosure.