Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$186,173Cash toward the purchase price.
Closing costs + prepaids$21,611Not just lender fees.
Before credits & paid funds$207,784The complete starting cash picture.
Estimated remaining funds due at closing
$207,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,172.83
Your down payment$186,172.83
Closing costs + prepaids$21,611.38
Total buyer cash needed$207,784.21
Remaining funds due$207,784.21
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%)$8,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,544.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$254.25
Prepaid interest, first (20 days)$2,644.99
Fees + prepaids$21,611.38
Your down payment is the seller’s equity. You take over the $708,827 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $207,784.21 is due at closing. Uses and sources reconcile at $916,611.38 each. Not a Closing Disclosure.