Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$149,082Cash toward the purchase price.
Closing costs + prepaids$26,979Not just lender fees.
Before credits & paid funds$176,061The complete starting cash picture.
Estimated remaining funds due at closing
$176,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,082.38
Your down payment$149,082.38
Closing costs + prepaids$26,978.80
Total buyer cash needed$176,061.17
Remaining funds due$176,061.17
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%)$9,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,129.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,437.25
Initial HOA (3 months)$1,506.00
Prepaid interest, first (29 days)$2,939.46
Fees + prepaids$26,978.80
Your down payment is the seller’s equity. You take over the $825,818 balance, so the rest of the $974,900 price is paid at closing. A second mortgage can cover part of it. $176,061.17 is due at closing. Uses and sources reconcile at $1,001,878.80 each. Not a Closing Disclosure.