Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$203,483Cash toward the purchase price.
Closing costs + prepaids$25,305Not just lender fees.
Before credits & paid funds$228,789The complete starting cash picture.
Estimated remaining funds due at closing
$228,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,483.28
Your down payment$203,483.28
Closing costs + prepaids$25,305.29
Total buyer cash needed$228,788.57
Remaining funds due$228,788.57
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,857.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,815.25
Initial HOA (3 months)$12.75
Prepaid interest, first (28 days)$3,651.70
Fees + prepaids$25,305.29
Your down payment is the seller’s equity. You take over the $771,517 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $228,788.57 is due at closing. Uses and sources reconcile at $1,000,305.29 each. Not a Closing Disclosure.