Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$167,735Cash toward the purchase price.
Closing costs + prepaids$28,154Not just lender fees.
Before credits & paid funds$195,890The complete starting cash picture.
Estimated remaining funds due at closing
$195,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,735.35
Your down payment$167,735.35
Closing costs + prepaids$28,154.24
Total buyer cash needed$195,889.59
Remaining funds due$195,889.59
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,911.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$883.25
Prepaid interest, first (28 days)$4,641.67
Fees + prepaids$28,154.24
Your down payment is the seller’s equity. You take over the $982,265 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $195,889.59 is due at closing. Uses and sources reconcile at $1,178,154.24 each. Not a Closing Disclosure.