Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$183,912Cash toward the purchase price.
Closing costs + prepaids$30,378Not just lender fees.
Before credits & paid funds$214,290The complete starting cash picture.
Estimated remaining funds due at closing
$214,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,912.43
Your down payment$183,912.43
Closing costs + prepaids$30,378.07
Total buyer cash needed$214,290.50
Remaining funds due$214,290.50
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%)$11,699.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,930.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,925.00
Initial HOA (3 months)$1,140.00
Prepaid interest, first (27 days)$3,464.78
Fees + prepaids$30,378.07
Your down payment is the seller’s equity. You take over the $986,078 balance, so the rest of the $1,169,990 price is paid at closing. A second mortgage can cover part of it. $214,290.50 is due at closing. Uses and sources reconcile at $1,200,368.07 each. Not a Closing Disclosure.