Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$173,946Cash toward the purchase price.
Closing costs + prepaids$19,660Not just lender fees.
Before credits & paid funds$193,606The complete starting cash picture.
Estimated remaining funds due at closing
$193,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,946.04
Your down payment$173,946.04
Closing costs + prepaids$19,660.15
Total buyer cash needed$193,606.19
Remaining funds due$193,606.19
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%)$8,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,330.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,008.00
Initial HOA (3 months)$336.00
Prepaid interest, first (7 days)$367.88
Fees + prepaids$19,660.15
Your down payment is the seller’s equity. You take over the $666,054 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $193,606.19 is due at closing. Uses and sources reconcile at $859,660.15 each. Not a Closing Disclosure.