Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$179,643Cash toward the purchase price.
Closing costs + prepaids$20,211Not just lender fees.
Before credits & paid funds$199,854The complete starting cash picture.
Estimated remaining funds due at closing
$199,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,643.00
Your down payment$179,643.00
Closing costs + prepaids$20,211.23
Total buyer cash needed$199,854.23
Remaining funds due$199,854.23
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%)$8,799.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,501.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$684.25
Prepaid interest, first (21 days)$1,007.35
Fees + prepaids$20,211.23
Your down payment is the seller’s equity. You take over the $700,347 balance, so the rest of the $879,990 price is paid at closing. A second mortgage can cover part of it. $199,854.23 is due at closing. Uses and sources reconcile at $900,201.23 each. Not a Closing Disclosure.