Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,124Cash toward the purchase price.
Closing costs + prepaids$22,693Not just lender fees.
Before credits & paid funds$152,816The complete starting cash picture.
Estimated remaining funds due at closing
$152,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,123.56
Your down payment$130,123.56
Closing costs + prepaids$22,692.64
Total buyer cash needed$152,816.19
Remaining funds due$152,816.19
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%)$3,724.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$492.00
Initial HOA (3 months)$261.00
Prepaid interest, first (24 days)$3,247.25
Fees + prepaids$22,692.64
Your down payment is the seller’s equity. You take over the $744,876 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $152,816.19 is due at closing. Uses and sources reconcile at $897,692.64 each. Not a Closing Disclosure.