Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$186,218Cash toward the purchase price.
Closing costs + prepaids$21,379Not just lender fees.
Before credits & paid funds$207,597The complete starting cash picture.
Estimated remaining funds due at closing
$207,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,217.77
Your down payment$186,217.77
Closing costs + prepaids$21,378.92
Total buyer cash needed$207,596.69
Remaining funds due$207,596.69
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%)$8,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,303.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,016.50
Initial HOA (3 months)$1,719.00
Prepaid interest, first (12 days)$651.51
Fees + prepaids$21,378.92
Your down payment is the seller’s equity. You take over the $660,782 balance, so the rest of the $847,000 price is paid at closing. A second mortgage can cover part of it. $207,596.69 is due at closing. Uses and sources reconcile at $868,378.92 each. Not a Closing Disclosure.