Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$147,138Cash toward the purchase price.
Closing costs + prepaids$18,704Not just lender fees.
Before credits & paid funds$165,842The complete starting cash picture.
Estimated remaining funds due at closing
$165,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,138.05
Your down payment$147,138.05
Closing costs + prepaids$18,704.18
Total buyer cash needed$165,842.23
Remaining funds due$165,842.23
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%)$7,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,188.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$942.00
Prepaid interest, first (9 days)$506.37
Fees + prepaids$18,704.18
Your down payment is the seller’s equity. You take over the $637,762 balance, so the rest of the $784,900 price is paid at closing. A second mortgage can cover part of it. $165,842.23 is due at closing. Uses and sources reconcile at $803,604.18 each. Not a Closing Disclosure.