Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$168,083Cash toward the purchase price.
Closing costs + prepaids$21,608Not just lender fees.
Before credits & paid funds$189,691The complete starting cash picture.
Estimated remaining funds due at closing
$189,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,083.12
Your down payment$168,083.12
Closing costs + prepaids$21,608.28
Total buyer cash needed$189,691.40
Remaining funds due$189,691.40
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%)$8,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,509.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,575.00
Initial HOA (3 months)$513.00
Prepaid interest, first (1 days)$92.69
Fees + prepaids$21,608.28
Your down payment is the seller’s equity. You take over the $701,917 balance, so the rest of the $870,000 price is paid at closing. A second mortgage can cover part of it. $189,691.40 is due at closing. Uses and sources reconcile at $891,608.28 each. Not a Closing Disclosure.