Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$164,207Cash toward the purchase price.
Closing costs + prepaids$41,647Not just lender fees.
Before credits & paid funds$205,853The complete starting cash picture.
Estimated remaining funds due at closing
$205,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,206.78
Your down payment$164,206.78
Closing costs + prepaids$41,646.70
Total buyer cash needed$205,853.49
Remaining funds due$205,853.49
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%)$16,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,423.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,122.50
Prepaid interest, first (28 days)$7,392.24
Fees + prepaids$41,646.70
Your down payment is the seller’s equity. You take over the $1,484,793 balance, so the rest of the $1,649,000 price is paid at closing. A second mortgage can cover part of it. $205,853.49 is due at closing. Uses and sources reconcile at $1,690,646.70 each. Not a Closing Disclosure.