Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$172,580Cash toward the purchase price.
Closing costs + prepaids$23,184Not just lender fees.
Before credits & paid funds$195,764The complete starting cash picture.
Estimated remaining funds due at closing
$195,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,579.93
Your down payment$172,579.93
Closing costs + prepaids$23,183.81
Total buyer cash needed$195,763.74
Remaining funds due$195,763.74
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%)$9,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,786.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,779.75
Initial HOA (3 months)$480.00
Prepaid interest, first (22 days)$1,620.46
Fees + prepaids$23,183.81
Your down payment is the seller’s equity. You take over the $757,320 balance, so the rest of the $929,900 price is paid at closing. A second mortgage can cover part of it. $195,763.74 is due at closing. Uses and sources reconcile at $953,083.81 each. Not a Closing Disclosure.