Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$186,804Cash toward the purchase price.
Closing costs + prepaids$19,429Not just lender fees.
Before credits & paid funds$206,232The complete starting cash picture.
Estimated remaining funds due at closing
$206,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,803.63
Your down payment$186,803.63
Closing costs + prepaids$19,428.59
Total buyer cash needed$206,232.22
Remaining funds due$206,232.22
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,565.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$389.00
Prepaid interest, first (2 days)$257.11
Fees + prepaids$19,428.59
Your down payment is the seller’s equity. You take over the $713,096 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $206,232.22 is due at closing. Uses and sources reconcile at $919,328.59 each. Not a Closing Disclosure.