Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$172,519Cash toward the purchase price.
Closing costs + prepaids$23,287Not just lender fees.
Before credits & paid funds$195,806The complete starting cash picture.
Estimated remaining funds due at closing
$195,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,519.09
Your down payment$172,519.09
Closing costs + prepaids$23,287.31
Total buyer cash needed$195,806.40
Remaining funds due$195,806.40
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%)$9,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,136.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,499.75
Initial HOA (3 months)$129.00
Prepaid interest, first (2 days)$304.66
Fees + prepaids$23,287.31
Your down payment is the seller’s equity. You take over the $827,381 balance, so the rest of the $999,900 price is paid at closing. A second mortgage can cover part of it. $195,806.40 is due at closing. Uses and sources reconcile at $1,023,187.31 each. Not a Closing Disclosure.