Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,587Cash toward the purchase price.
Closing costs + prepaids$26,918Not just lender fees.
Before credits & paid funds$168,505The complete starting cash picture.
Estimated remaining funds due at closing
$168,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,587.25
Your down payment$141,587.25
Closing costs + prepaids$26,917.95
Total buyer cash needed$168,505.20
Remaining funds due$168,505.20
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%)$9,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,242.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,356.50
Prepaid interest, first (25 days)$4,201.39
Fees + prepaids$26,917.95
Your down payment is the seller’s equity. You take over the $848,413 balance, so the rest of the $990,000 price is paid at closing. A second mortgage can cover part of it. $168,505.20 is due at closing. Uses and sources reconcile at $1,016,917.95 each. Not a Closing Disclosure.