Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,725Cash toward the purchase price.
Closing costs + prepaids$26,302Not just lender fees.
Before credits & paid funds$175,027The complete starting cash picture.
Estimated remaining funds due at closing
$175,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,724.71
Your down payment$148,724.71
Closing costs + prepaids$26,302.19
Total buyer cash needed$175,026.90
Remaining funds due$175,026.90
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%)$9,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,880.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,493.75
Initial HOA (3 months)$879.00
Prepaid interest, first (31 days)$4,581.56
Fees + prepaids$26,302.19
Your down payment is the seller’s equity. You take over the $776,175 balance, so the rest of the $924,900 price is paid at closing. A second mortgage can cover part of it. $175,026.90 is due at closing. Uses and sources reconcile at $951,202.19 each. Not a Closing Disclosure.