Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$180,472Cash toward the purchase price.
Closing costs + prepaids$21,854Not just lender fees.
Before credits & paid funds$202,326The complete starting cash picture.
Estimated remaining funds due at closing
$202,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,472.33
Your down payment$180,472.33
Closing costs + prepaids$21,853.88
Total buyer cash needed$202,326.22
Remaining funds due$202,326.22
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%)$8,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,467.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,048.75
Initial HOA (3 months)$225.00
Prepaid interest, first (17 days)$2,154.50
Fees + prepaids$21,853.88
Your down payment is the seller’s equity. You take over the $693,528 balance, so the rest of the $874,000 price is paid at closing. A second mortgage can cover part of it. $202,326.22 is due at closing. Uses and sources reconcile at $895,853.88 each. Not a Closing Disclosure.