Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$192,296Cash toward the purchase price.
Closing costs + prepaids$21,867Not just lender fees.
Before credits & paid funds$214,163The complete starting cash picture.
Estimated remaining funds due at closing
$214,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,296.48
Your down payment$192,296.48
Closing costs + prepaids$21,866.69
Total buyer cash needed$214,163.18
Remaining funds due$214,163.18
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%)$8,999.47
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,538.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$24.00
Initial HOA (3 months)$62.49
Prepaid interest, first (24 days)$3,024.48
Fees + prepaids$21,866.69
Your down payment is the seller’s equity. You take over the $707,651 balance, so the rest of the $899,947 price is paid at closing. A second mortgage can cover part of it. $214,163.18 is due at closing. Uses and sources reconcile at $921,813.69 each. Not a Closing Disclosure.