Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$171,569Cash toward the purchase price.
Closing costs + prepaids$21,077Not just lender fees.
Before credits & paid funds$192,645The complete starting cash picture.
Estimated remaining funds due at closing
$192,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,568.81
Your down payment$171,568.81
Closing costs + prepaids$21,076.64
Total buyer cash needed$192,645.44
Remaining funds due$192,645.44
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,637.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,078.75
Prepaid interest, first (12 days)$1,152.73
Fees + prepaids$21,076.64
Your down payment is the seller’s equity. You take over the $727,431 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $192,645.44 is due at closing. Uses and sources reconcile at $920,076.64 each. Not a Closing Disclosure.