Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$161,897Cash toward the purchase price.
Closing costs + prepaids$23,150Not just lender fees.
Before credits & paid funds$185,048The complete starting cash picture.
Estimated remaining funds due at closing
$185,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,897.38
Your down payment$161,897.38
Closing costs + prepaids$23,150.35
Total buyer cash needed$185,047.73
Remaining funds due$185,047.73
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%)$10,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,440.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,676.25
Initial HOA (3 months)$200.01
Prepaid interest, first (1 days)$115.57
Fees + prepaids$23,150.35
Your down payment is the seller’s equity. You take over the $888,103 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $185,047.73 is due at closing. Uses and sources reconcile at $1,073,150.35 each. Not a Closing Disclosure.