Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,388Cash toward the purchase price.
Closing costs + prepaids$26,008Not just lender fees.
Before credits & paid funds$182,396The complete starting cash picture.
Estimated remaining funds due at closing
$182,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,388.10
Your down payment$156,388.10
Closing costs + prepaids$26,008.33
Total buyer cash needed$182,396.43
Remaining funds due$182,396.43
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,213.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,407.25
Initial HOA (3 months)$249.99
Prepaid interest, first (28 days)$3,930.03
Fees + prepaids$26,008.33
Your down payment is the seller’s equity. You take over the $842,612 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $182,396.43 is due at closing. Uses and sources reconcile at $1,025,008.33 each. Not a Closing Disclosure.