Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,025Cash toward the purchase price.
Closing costs + prepaids$22,797Not just lender fees.
Before credits & paid funds$191,822The complete starting cash picture.
Estimated remaining funds due at closing
$191,822No 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$22,797.39
Total buyer cash needed$191,822.35
Remaining funds due$191,822.35
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)$902.25
Initial HOA (3 months)$399.00
Prepaid interest, first (31 days)$3,688.27
Fees + prepaids$22,797.39
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. $191,822.35 is due at closing. Uses and sources reconcile at $851,797.39 each. Not a Closing Disclosure.