Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$180,606Cash toward the purchase price.
Closing costs + prepaids$19,288Not just lender fees.
Before credits & paid funds$199,894The complete starting cash picture.
Estimated remaining funds due at closing
$199,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,606.12
Your down payment$180,606.12
Closing costs + prepaids$19,288.27
Total buyer cash needed$199,894.40
Remaining funds due$199,894.40
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%)$8,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,371.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$969.75
Initial HOA (3 months)$51.99
Prepaid interest, first (1 days)$126.56
Fees + prepaids$19,288.27
Your down payment is the seller’s equity. You take over the $674,394 balance, so the rest of the $855,000 price is paid at closing. A second mortgage can cover part of it. $199,894.40 is due at closing. Uses and sources reconcile at $874,288.27 each. Not a Closing Disclosure.