Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$169,025Cash toward the purchase price.
Closing costs + prepaids$21,224Not just lender fees.
Before credits & paid funds$190,249The complete starting cash picture.
Estimated remaining funds due at closing
$190,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,024.96
Your down payment$169,024.96
Closing costs + prepaids$21,224.22
Total buyer cash needed$190,249.18
Remaining funds due$190,249.18
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,299.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$994.75
Initial HOA (3 months)$399.00
Prepaid interest, first (17 days)$2,022.60
Fees + prepaids$21,224.22
Your down payment is the seller’s equity. You take over the $659,975 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $190,249.18 is due at closing. Uses and sources reconcile at $850,224.22 each. Not a Closing Disclosure.