Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$210,194Cash toward the purchase price.
Closing costs + prepaids$21,657Not just lender fees.
Before credits & paid funds$231,851The complete starting cash picture.
Estimated remaining funds due at closing
$231,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,194.06
Your down payment$210,194.06
Closing costs + prepaids$21,656.86
Total buyer cash needed$231,850.92
Remaining funds due$231,850.92
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%)$8,498.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,198.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,124.75
Prepaid interest, first (25 days)$1,616.76
Fees + prepaids$21,656.86
Your down payment is the seller’s equity. You take over the $639,694 balance, so the rest of the $849,888 price is paid at closing. A second mortgage can cover part of it. $231,850.92 is due at closing. Uses and sources reconcile at $871,544.86 each. Not a Closing Disclosure.