Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$137,525Cash toward the purchase price.
Closing costs + prepaids$24,199Not just lender fees.
Before credits & paid funds$161,725The complete starting cash picture.
Estimated remaining funds due at closing
$161,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,525.40
Your down payment$137,525.40
Closing costs + prepaids$24,199.37
Total buyer cash needed$161,724.77
Remaining funds due$161,724.77
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,937.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,346.75
Initial HOA (3 months)$162.51
Prepaid interest, first (25 days)$3,284.74
Fees + prepaids$24,199.37
Your down payment is the seller’s equity. You take over the $787,475 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $161,724.77 is due at closing. Uses and sources reconcile at $949,199.37 each. Not a Closing Disclosure.