Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$187,489Cash toward the purchase price.
Closing costs + prepaids$22,171Not just lender fees.
Before credits & paid funds$209,660The complete starting cash picture.
Estimated remaining funds due at closing
$209,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,488.91
Your down payment$187,488.91
Closing costs + prepaids$22,170.78
Total buyer cash needed$209,659.69
Remaining funds due$209,659.69
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,562.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,080.00
Prepaid interest, first (18 days)$2,311.73
Fees + prepaids$22,170.78
Your down payment is the seller’s equity. You take over the $712,411 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $209,659.69 is due at closing. Uses and sources reconcile at $922,070.78 each. Not a Closing Disclosure.