Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$174,867Cash toward the purchase price.
Closing costs + prepaids$25,190Not just lender fees.
Before credits & paid funds$200,058The complete starting cash picture.
Estimated remaining funds due at closing
$200,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,867.32
Your down payment$174,867.32
Closing costs + prepaids$25,190.31
Total buyer cash needed$200,057.63
Remaining funds due$200,057.63
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%)$9,709.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,980.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$631.00
Initial HOA (3 months)$357.00
Prepaid interest, first (31 days)$4,293.66
Fees + prepaids$25,190.31
Your down payment is the seller’s equity. You take over the $796,132 balance, so the rest of the $970,999 price is paid at closing. A second mortgage can cover part of it. $200,057.63 is due at closing. Uses and sources reconcile at $996,189.31 each. Not a Closing Disclosure.