Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,591Cash toward the purchase price.
Closing costs + prepaids$30,891Not just lender fees.
Before credits & paid funds$204,482The complete starting cash picture.
Estimated remaining funds due at closing
$204,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,591.12
Your down payment$173,591.12
Closing costs + prepaids$30,890.87
Total buyer cash needed$204,482.00
Remaining funds due$204,482.00
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%)$11,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,881.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,874.75
Prepaid interest, first (26 days)$5,417.58
Fees + prepaids$30,890.87
Your down payment is the seller’s equity. You take over the $976,309 balance, so the rest of the $1,149,900 price is paid at closing. A second mortgage can cover part of it. $204,482.00 is due at closing. Uses and sources reconcile at $1,180,790.87 each. Not a Closing Disclosure.