Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$161,488Cash toward the purchase price.
Closing costs + prepaids$28,748Not just lender fees.
Before credits & paid funds$190,237The complete starting cash picture.
Estimated remaining funds due at closing
$190,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,488.41
Your down payment$161,488.41
Closing costs + prepaids$28,748.48
Total buyer cash needed$190,236.89
Remaining funds due$190,236.89
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%)$11,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,067.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$809.75
Prepaid interest, first (27 days)$4,903.17
Fees + prepaids$28,748.48
Your down payment is the seller’s equity. You take over the $1,013,512 balance, so the rest of the $1,175,000 price is paid at closing. A second mortgage can cover part of it. $190,236.89 is due at closing. Uses and sources reconcile at $1,203,748.48 each. Not a Closing Disclosure.