Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$207,084Cash toward the purchase price.
Closing costs + prepaids$23,888Not just lender fees.
Before credits & paid funds$230,972The complete starting cash picture.
Estimated remaining funds due at closing
$230,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,084.03
Your down payment$207,084.03
Closing costs + prepaids$23,887.69
Total buyer cash needed$230,971.71
Remaining funds due$230,971.71
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%)$9,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,809.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,422.50
Prepaid interest, first (28 days)$1,747.61
Fees + prepaids$23,887.69
Your down payment is the seller’s equity. You take over the $761,916 balance, so the rest of the $969,000 price is paid at closing. A second mortgage can cover part of it. $230,971.71 is due at closing. Uses and sources reconcile at $992,887.69 each. Not a Closing Disclosure.