Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$168,554Cash toward the purchase price.
Closing costs + prepaids$18,562Not just lender fees.
Before credits & paid funds$187,115The complete starting cash picture.
Estimated remaining funds due at closing
$187,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,553.70
Your down payment$168,553.70
Closing costs + prepaids$18,561.59
Total buyer cash needed$187,115.28
Remaining funds due$187,115.28
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%)$8,248.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,281.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$699.75
Prepaid interest, first (1 days)$113.29
Fees + prepaids$18,561.59
Your down payment is the seller’s equity. You take over the $656,334 balance, so the rest of the $824,888 price is paid at closing. A second mortgage can cover part of it. $187,115.28 is due at closing. Uses and sources reconcile at $843,449.59 each. Not a Closing Disclosure.