Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$204,135Cash toward the purchase price.
Closing costs + prepaids$24,342Not just lender fees.
Before credits & paid funds$228,477The complete starting cash picture.
Estimated remaining funds due at closing
$228,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,135.16
Your down payment$204,135.16
Closing costs + prepaids$24,341.75
Total buyer cash needed$228,476.91
Remaining funds due$228,476.91
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,604.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,505.00
Initial HOA (3 months)$405.00
Prepaid interest, first (27 days)$3,359.43
Fees + prepaids$24,341.75
Your down payment is the seller’s equity. You take over the $720,865 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $228,476.91 is due at closing. Uses and sources reconcile at $949,341.75 each. Not a Closing Disclosure.