Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,892Cash toward the purchase price.
Closing costs + prepaids$28,120Not just lender fees.
Before credits & paid funds$217,011The complete starting cash picture.
Estimated remaining funds due at closing
$217,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,891.56
Your down payment$188,891.56
Closing costs + prepaids$28,119.51
Total buyer cash needed$217,011.07
Remaining funds due$217,011.07
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,680.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,907.25
Prepaid interest, first (31 days)$4,063.72
Fees + prepaids$28,119.51
Your down payment is the seller’s equity. You take over the $736,108 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $217,011.07 is due at closing. Uses and sources reconcile at $953,119.51 each. Not a Closing Disclosure.