Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$169,025Cash toward the purchase price.
Closing costs + prepaids$20,272Not just lender fees.
Before credits & paid funds$189,297The complete starting cash picture.
Estimated remaining funds due at closing
$189,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,024.96
Your down payment$169,024.96
Closing costs + prepaids$20,272.41
Total buyer cash needed$189,297.37
Remaining funds due$189,297.37
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,299.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$994.75
Initial HOA (3 months)$399.00
Prepaid interest, first (9 days)$1,070.79
Fees + prepaids$20,272.41
Your down payment is the seller’s equity. You take over the $659,975 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $189,297.37 is due at closing. Uses and sources reconcile at $849,272.41 each. Not a Closing Disclosure.