Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$194,461Cash toward the purchase price.
Closing costs + prepaids$25,441Not just lender fees.
Before credits & paid funds$219,902The complete starting cash picture.
Estimated remaining funds due at closing
$219,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,461.18
Your down payment$194,461.18
Closing costs + prepaids$25,440.76
Total buyer cash needed$219,901.94
Remaining funds due$219,901.94
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%)$3,852.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,827.00
Initial HOA (3 months)$254.01
Prepaid interest, first (26 days)$3,639.05
Fees + prepaids$25,440.76
Your down payment is the seller’s equity. You take over the $770,539 balance, so the rest of the $965,000 price is paid at closing. A second mortgage can cover part of it. $219,901.94 is due at closing. Uses and sources reconcile at $990,440.76 each. Not a Closing Disclosure.