Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$169,770Cash toward the purchase price.
Closing costs + prepaids$21,341Not just lender fees.
Before credits & paid funds$191,111The complete starting cash picture.
Estimated remaining funds due at closing
$191,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,770.42
Your down payment$169,770.42
Closing costs + prepaids$21,340.99
Total buyer cash needed$191,111.42
Remaining funds due$191,111.42
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%)$8,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,201.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$139.25
Initial HOA (3 months)$429.00
Prepaid interest, first (27 days)$3,253.59
Fees + prepaids$21,340.99
Your down payment is the seller’s equity. You take over the $640,230 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $191,111.42 is due at closing. Uses and sources reconcile at $831,340.99 each. Not a Closing Disclosure.