Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$160,927Cash toward the purchase price.
Closing costs + prepaids$22,188Not just lender fees.
Before credits & paid funds$183,116The complete starting cash picture.
Estimated remaining funds due at closing
$183,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,927.30
Your down payment$160,927.30
Closing costs + prepaids$22,188.32
Total buyer cash needed$183,115.61
Remaining funds due$183,115.61
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,270.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,784.75
Initial HOA (3 months)$174.00
Prepaid interest, first (30 days)$2,591.20
Fees + prepaids$22,188.32
Your down payment is the seller’s equity. You take over the $654,073 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $183,115.61 is due at closing. Uses and sources reconcile at $837,188.32 each. Not a Closing Disclosure.