Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$174,616Cash toward the purchase price.
Closing costs + prepaids$28,080Not just lender fees.
Before credits & paid funds$202,696The complete starting cash picture.
Estimated remaining funds due at closing
$202,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,615.61
Your down payment$174,615.61
Closing costs + prepaids$28,080.48
Total buyer cash needed$202,696.09
Remaining funds due$202,696.09
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%)$10,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,501.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,313.00
Initial HOA (3 months)$177.00
Prepaid interest, first (24 days)$4,120.55
Fees + prepaids$28,080.48
Your down payment is the seller’s equity. You take over the $900,384 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $202,696.09 is due at closing. Uses and sources reconcile at $1,103,080.48 each. Not a Closing Disclosure.