Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$177,073Cash toward the purchase price.
Closing costs + prepaids$21,945Not just lender fees.
Before credits & paid funds$199,018The complete starting cash picture.
Estimated remaining funds due at closing
$199,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,072.64
Your down payment$177,072.64
Closing costs + prepaids$21,945.30
Total buyer cash needed$199,017.95
Remaining funds due$199,017.95
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,489.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$570.75
Initial HOA (3 months)$62.49
Prepaid interest, first (24 days)$2,854.43
Fees + prepaids$21,945.30
Your down payment is the seller’s equity. You take over the $697,927 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $199,017.95 is due at closing. Uses and sources reconcile at $896,945.30 each. Not a Closing Disclosure.