Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$172,650Cash toward the purchase price.
Closing costs + prepaids$21,164Not just lender fees.
Before credits & paid funds$193,814The complete starting cash picture.
Estimated remaining funds due at closing
$193,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,649.57
Your down payment$172,649.57
Closing costs + prepaids$21,164.05
Total buyer cash needed$193,813.63
Remaining funds due$193,813.63
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,631.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$294.50
Prepaid interest, first (24 days)$2,029.80
Fees + prepaids$21,164.05
Your down payment is the seller’s equity. You take over the $726,350 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $193,813.63 is due at closing. Uses and sources reconcile at $920,164.05 each. Not a Closing Disclosure.