Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$146,408Cash toward the purchase price.
Closing costs + prepaids$28,107Not just lender fees.
Before credits & paid funds$174,515The complete starting cash picture.
Estimated remaining funds due at closing
$174,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,408.25
Your down payment$146,408.25
Closing costs + prepaids$28,106.60
Total buyer cash needed$174,514.85
Remaining funds due$174,514.85
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%)$10,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,692.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,638.50
Initial HOA (3 months)$187.50
Prepaid interest, first (26 days)$4,519.64
Fees + prepaids$28,106.60
Your down payment is the seller’s equity. You take over the $938,592 balance, so the rest of the $1,085,000 price is paid at closing. A second mortgage can cover part of it. $174,514.85 is due at closing. Uses and sources reconcile at $1,113,106.60 each. Not a Closing Disclosure.