Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,612Cash toward the purchase price.
Closing costs + prepaids$25,327Not just lender fees.
Before credits & paid funds$154,939The complete starting cash picture.
Estimated remaining funds due at closing
$154,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,611.81
Your down payment$129,611.81
Closing costs + prepaids$25,327.22
Total buyer cash needed$154,939.04
Remaining funds due$154,939.04
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%)$3,726.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,187.50
Initial HOA (3 months)$648.00
Prepaid interest, first (28 days)$3,796.78
Fees + prepaids$25,327.22
Your down payment is the seller’s equity. You take over the $745,388 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $154,939.04 is due at closing. Uses and sources reconcile at $900,327.22 each. Not a Closing Disclosure.