Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$184,079Cash toward the purchase price.
Closing costs + prepaids$25,614Not just lender fees.
Before credits & paid funds$209,693The complete starting cash picture.
Estimated remaining funds due at closing
$209,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,078.99
Your down payment$184,078.99
Closing costs + prepaids$25,613.61
Total buyer cash needed$209,692.60
Remaining funds due$209,692.60
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,824.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,372.50
Prepaid interest, first (28 days)$3,708.50
Fees + prepaids$25,613.61
Your down payment is the seller’s equity. You take over the $764,921 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $209,692.60 is due at closing. Uses and sources reconcile at $974,613.61 each. Not a Closing Disclosure.