Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$141,861Cash toward the purchase price.
Closing costs + prepaids$20,834Not just lender fees.
Before credits & paid funds$162,695The complete starting cash picture.
Estimated remaining funds due at closing
$162,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,860.90
Your down payment$141,860.90
Closing costs + prepaids$20,834.20
Total buyer cash needed$162,695.10
Remaining funds due$162,695.10
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%)$7,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,240.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,032.75
Initial HOA (3 months)$30.00
Prepaid interest, first (26 days)$2,414.26
Fees + prepaids$20,834.20
Your down payment is the seller’s equity. You take over the $648,039 balance, so the rest of the $789,900 price is paid at closing. A second mortgage can cover part of it. $162,695.10 is due at closing. Uses and sources reconcile at $810,734.20 each. Not a Closing Disclosure.