Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$157,585Cash toward the purchase price.
Closing costs + prepaids$22,383Not just lender fees.
Before credits & paid funds$179,967The complete starting cash picture.
Estimated remaining funds due at closing
$179,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,584.60
Your down payment$157,584.60
Closing costs + prepaids$22,382.86
Total buyer cash needed$179,967.46
Remaining funds due$179,967.46
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,462.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$680.00
Prepaid interest, first (30 days)$3,522.78
Fees + prepaids$22,382.86
Your down payment is the seller’s equity. You take over the $692,415 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $179,967.46 is due at closing. Uses and sources reconcile at $872,382.86 each. Not a Closing Disclosure.