Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$187,731Cash toward the purchase price.
Closing costs + prepaids$20,331Not just lender fees.
Before credits & paid funds$208,062The complete starting cash picture.
Estimated remaining funds due at closing
$208,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,731.12
Your down payment$187,731.12
Closing costs + prepaids$20,330.69
Total buyer cash needed$208,061.80
Remaining funds due$208,061.80
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,310.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$731.00
Initial HOA (3 months)$270.00
Prepaid interest, first (26 days)$1,301.84
Fees + prepaids$20,330.69
Your down payment is the seller’s equity. You take over the $662,169 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $208,061.80 is due at closing. Uses and sources reconcile at $870,230.69 each. Not a Closing Disclosure.