Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$173,598Cash toward the purchase price.
Closing costs + prepaids$22,685Not just lender fees.
Before credits & paid funds$196,283The complete starting cash picture.
Estimated remaining funds due at closing
$196,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,598.20
Your down payment$173,598.20
Closing costs + prepaids$22,685.12
Total buyer cash needed$196,283.32
Remaining funds due$196,283.32
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%)$3,631.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$886.25
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$2,875.36
Fees + prepaids$22,685.12
Your down payment is the seller’s equity. You take over the $726,302 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $196,283.32 is due at closing. Uses and sources reconcile at $922,585.12 each. Not a Closing Disclosure.