Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$172,580Cash toward the purchase price.
Closing costs + prepaids$23,699Not just lender fees.
Before credits & paid funds$196,279The complete starting cash picture.
Estimated remaining funds due at closing
$196,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,579.93
Your down payment$172,579.93
Closing costs + prepaids$23,699.41
Total buyer cash needed$196,279.34
Remaining funds due$196,279.34
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%)$9,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,786.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,779.75
Initial HOA (3 months)$480.00
Prepaid interest, first (29 days)$2,136.06
Fees + prepaids$23,699.41
Your down payment is the seller’s equity. You take over the $757,320 balance, so the rest of the $929,900 price is paid at closing. A second mortgage can cover part of it. $196,279.34 is due at closing. Uses and sources reconcile at $953,599.41 each. Not a Closing Disclosure.