Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$193,086Cash toward the purchase price.
Closing costs + prepaids$24,344Not just lender fees.
Before credits & paid funds$217,430The complete starting cash picture.
Estimated remaining funds due at closing
$217,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,086.30
Your down payment$193,086.30
Closing costs + prepaids$24,343.59
Total buyer cash needed$217,429.89
Remaining funds due$217,429.89
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%)$9,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,859.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$812.75
Initial HOA (3 months)$108.24
Prepaid interest, first (28 days)$3,695.03
Fees + prepaids$24,343.59
Your down payment is the seller’s equity. You take over the $771,914 balance, so the rest of the $965,000 price is paid at closing. A second mortgage can cover part of it. $217,429.89 is due at closing. Uses and sources reconcile at $989,343.59 each. Not a Closing Disclosure.