Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$151,401Cash toward the purchase price.
Closing costs + prepaids$23,862Not just lender fees.
Before credits & paid funds$175,263The complete starting cash picture.
Estimated remaining funds due at closing
$175,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,401.11
Your down payment$151,401.11
Closing costs + prepaids$23,862.01
Total buyer cash needed$175,263.12
Remaining funds due$175,263.12
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%)$8,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,732.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$666.75
Initial HOA (3 months)$447.00
Prepaid interest, first (31 days)$3,817.27
Fees + prepaids$23,862.01
Your down payment is the seller’s equity. You take over the $746,599 balance, so the rest of the $898,000 price is paid at closing. A second mortgage can cover part of it. $175,263.12 is due at closing. Uses and sources reconcile at $921,862.01 each. Not a Closing Disclosure.