Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$157,910Cash toward the purchase price.
Closing costs + prepaids$30,286Not just lender fees.
Before credits & paid funds$188,195The complete starting cash picture.
Estimated remaining funds due at closing
$188,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,909.83
Your down payment$157,909.83
Closing costs + prepaids$30,285.54
Total buyer cash needed$188,195.37
Remaining funds due$188,195.37
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%)$11,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,900.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,845.00
Initial HOA (3 months)$384.00
Prepaid interest, first (25 days)$4,558.09
Fees + prepaids$30,285.54
Your down payment is the seller’s equity. You take over the $980,090 balance, so the rest of the $1,138,000 price is paid at closing. A second mortgage can cover part of it. $188,195.37 is due at closing. Uses and sources reconcile at $1,168,285.54 each. Not a Closing Disclosure.