Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$147,396Cash toward the purchase price.
Closing costs + prepaids$22,246Not just lender fees.
Before credits & paid funds$169,642The complete starting cash picture.
Estimated remaining funds due at closing
$169,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,395.97
Your down payment$147,395.97
Closing costs + prepaids$22,245.78
Total buyer cash needed$169,641.75
Remaining funds due$169,641.75
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%)$8,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,558.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,147.50
Initial HOA (3 months)$690.00
Prepaid interest, first (18 days)$1,042.26
Fees + prepaids$22,245.78
Your down payment is the seller’s equity. You take over the $711,604 balance, so the rest of the $859,000 price is paid at closing. A second mortgage can cover part of it. $169,641.75 is due at closing. Uses and sources reconcile at $881,245.78 each. Not a Closing Disclosure.