Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$187,854Cash toward the purchase price.
Closing costs + prepaids$24,333Not just lender fees.
Before credits & paid funds$212,187The complete starting cash picture.
Estimated remaining funds due at closing
$212,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,854.26
Your down payment$187,854.26
Closing costs + prepaids$24,333.18
Total buyer cash needed$212,187.44
Remaining funds due$212,187.44
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%)$8,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,510.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,789.00
Initial HOA (3 months)$10.50
Prepaid interest, first (30 days)$3,906.45
Fees + prepaids$24,333.18
Your down payment is the seller’s equity. You take over the $702,046 balance, so the rest of the $889,900 price is paid at closing. A second mortgage can cover part of it. $212,187.44 is due at closing. Uses and sources reconcile at $914,233.18 each. Not a Closing Disclosure.