Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$163,504Cash toward the purchase price.
Closing costs + prepaids$23,953Not just lender fees.
Before credits & paid funds$187,457The complete starting cash picture.
Estimated remaining funds due at closing
$187,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,504.20
Your down payment$163,504.20
Closing costs + prepaids$23,952.90
Total buyer cash needed$187,457.10
Remaining funds due$187,457.10
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%)$8,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,582.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,012.00
Initial HOA (3 months)$243.00
Prepaid interest, first (31 days)$3,097.42
Fees + prepaids$23,952.90
Your down payment is the seller’s equity. You take over the $716,496 balance, so the rest of the $880,000 price is paid at closing. A second mortgage can cover part of it. $187,457.10 is due at closing. Uses and sources reconcile at $903,952.90 each. Not a Closing Disclosure.