Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$187,489Cash toward the purchase price.
Closing costs + prepaids$23,149Not just lender fees.
Before credits & paid funds$210,638The complete starting cash picture.
Estimated remaining funds due at closing
$210,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,488.91
Your down payment$187,488.91
Closing costs + prepaids$23,149.36
Total buyer cash needed$210,638.27
Remaining funds due$210,638.27
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,562.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$389.00
Prepaid interest, first (31 days)$3,981.30
Fees + prepaids$23,149.36
Your down payment is the seller’s equity. You take over the $712,411 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $210,638.27 is due at closing. Uses and sources reconcile at $923,049.36 each. Not a Closing Disclosure.