Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$163,370Cash toward the purchase price.
Closing costs + prepaids$26,232Not just lender fees.
Before credits & paid funds$189,602The complete starting cash picture.
Estimated remaining funds due at closing
$189,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,370.42
Your down payment$163,370.42
Closing costs + prepaids$26,231.70
Total buyer cash needed$189,602.12
Remaining funds due$189,602.12
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%)$10,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,308.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,562.50
Initial HOA (3 months)$438.00
Prepaid interest, first (26 days)$2,455.05
Fees + prepaids$26,231.70
Your down payment is the seller’s equity. You take over the $861,630 balance, so the rest of the $1,025,000 price is paid at closing. A second mortgage can cover part of it. $189,602.12 is due at closing. Uses and sources reconcile at $1,051,231.70 each. Not a Closing Disclosure.