Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$163,167Cash toward the purchase price.
Closing costs + prepaids$27,803Not just lender fees.
Before credits & paid funds$190,970The complete starting cash picture.
Estimated remaining funds due at closing
$190,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,167.48
Your down payment$163,167.48
Closing costs + prepaids$27,802.81
Total buyer cash needed$190,970.29
Remaining funds due$190,970.29
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%)$10,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,434.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,625.00
Initial HOA (3 months)$438.00
Prepaid interest, first (23 days)$3,587.66
Fees + prepaids$27,802.81
Your down payment is the seller’s equity. You take over the $886,832 balance, so the rest of the $1,049,999 price is paid at closing. A second mortgage can cover part of it. $190,970.29 is due at closing. Uses and sources reconcile at $1,077,801.81 each. Not a Closing Disclosure.