Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$185,401Cash toward the purchase price.
Closing costs + prepaids$19,235Not just lender fees.
Before credits & paid funds$204,636The complete starting cash picture.
Estimated remaining funds due at closing
$204,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,401.45
Your down payment$185,401.45
Closing costs + prepaids$19,235.03
Total buyer cash needed$204,636.48
Remaining funds due$204,636.48
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%)$3,547.99
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 (2 days)$264.79
Fees + prepaids$19,235.03
Your down payment is the seller’s equity. You take over the $709,599 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $204,636.48 is due at closing. Uses and sources reconcile at $914,235.03 each. Not a Closing Disclosure.