Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$136,722Cash toward the purchase price.
Closing costs + prepaids$22,070Not just lender fees.
Before credits & paid funds$158,792The complete starting cash picture.
Estimated remaining funds due at closing
$158,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,721.65
Your down payment$136,721.65
Closing costs + prepaids$22,070.29
Total buyer cash needed$158,791.94
Remaining funds due$158,791.94
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%)$8,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,515.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$440.00
Prepaid interest, first (29 days)$3,497.40
Fees + prepaids$22,070.29
Your down payment is the seller’s equity. You take over the $703,178 balance, so the rest of the $839,900 price is paid at closing. A second mortgage can cover part of it. $158,791.94 is due at closing. Uses and sources reconcile at $861,970.29 each. Not a Closing Disclosure.