Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$145,410Cash toward the purchase price.
Closing costs + prepaids$23,367Not just lender fees.
Before credits & paid funds$168,777The complete starting cash picture.
Estimated remaining funds due at closing
$168,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,410.03
Your down payment$145,410.03
Closing costs + prepaids$23,367.46
Total buyer cash needed$168,777.49
Remaining funds due$168,777.49
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,647.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,187.50
Initial HOA (3 months)$810.00
Prepaid interest, first (25 days)$1,754.01
Fees + prepaids$23,367.46
Your down payment is the seller’s equity. You take over the $729,590 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $168,777.49 is due at closing. Uses and sources reconcile at $898,367.46 each. Not a Closing Disclosure.