Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$143,881Cash toward the purchase price.
Closing costs + prepaids$23,476Not just lender fees.
Before credits & paid funds$167,356The complete starting cash picture.
Estimated remaining funds due at closing
$167,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,880.90
Your down payment$143,880.90
Closing costs + prepaids$23,475.57
Total buyer cash needed$167,356.47
Remaining funds due$167,356.47
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%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,475.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,741.00
Initial HOA (3 months)$28.74
Prepaid interest, first (30 days)$3,622.24
Fees + prepaids$23,475.57
Your down payment is the seller’s equity. You take over the $695,119 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $167,356.47 is due at closing. Uses and sources reconcile at $862,475.57 each. Not a Closing Disclosure.