Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$172,857Cash toward the purchase price.
Closing costs + prepaids$21,776Not just lender fees.
Before credits & paid funds$194,633The complete starting cash picture.
Estimated remaining funds due at closing
$194,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,857.15
Your down payment$172,857.15
Closing costs + prepaids$21,775.76
Total buyer cash needed$194,632.91
Remaining funds due$194,632.91
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%)$8,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,508.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,159.25
Prepaid interest, first (18 days)$2,145.30
Fees + prepaids$21,775.76
Your down payment is the seller’s equity. You take over the $701,643 balance, so the rest of the $874,500 price is paid at closing. A second mortgage can cover part of it. $194,632.91 is due at closing. Uses and sources reconcile at $896,275.76 each. Not a Closing Disclosure.