Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$169,867Cash toward the purchase price.
Closing costs + prepaids$19,580Not just lender fees.
Before credits & paid funds$189,447The complete starting cash picture.
Estimated remaining funds due at closing
$189,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,867.05
Your down payment$169,867.05
Closing costs + prepaids$19,580.42
Total buyer cash needed$189,447.47
Remaining funds due$189,447.47
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,400.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,020.00
Initial HOA (3 months)$22.50
Prepaid interest, first (6 days)$419.26
Fees + prepaids$19,580.42
Your down payment is the seller’s equity. You take over the $680,133 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $189,447.47 is due at closing. Uses and sources reconcile at $869,580.42 each. Not a Closing Disclosure.