Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$143,307Cash toward the purchase price.
Closing costs + prepaids$24,369Not just lender fees.
Before credits & paid funds$167,676The complete starting cash picture.
Estimated remaining funds due at closing
$167,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,307.39
Your down payment$143,307.39
Closing costs + prepaids$24,369.00
Total buyer cash needed$167,676.40
Remaining funds due$167,676.40
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,782.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,961.75
Initial HOA (3 months)$33.51
Prepaid interest, first (26 days)$3,373.78
Fees + prepaids$24,369.00
Your down payment is the seller’s equity. You take over the $756,593 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $167,676.40 is due at closing. Uses and sources reconcile at $924,269.00 each. Not a Closing Disclosure.