Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$187,478Cash toward the purchase price.
Closing costs + prepaids$21,982Not just lender fees.
Before credits & paid funds$209,460The complete starting cash picture.
Estimated remaining funds due at closing
$209,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,477.89
Your down payment$187,477.89
Closing costs + prepaids$21,981.67
Total buyer cash needed$209,459.56
Remaining funds due$209,459.56
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,557.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$526.00
Initial HOA (3 months)$113.76
Prepaid interest, first (28 days)$2,576.29
Fees + prepaids$21,981.67
Your down payment is the seller’s equity. You take over the $711,522 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $209,459.56 is due at closing. Uses and sources reconcile at $920,981.67 each. Not a Closing Disclosure.