Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$167,354Cash toward the purchase price.
Closing costs + prepaids$22,768Not just lender fees.
Before credits & paid funds$190,122The complete starting cash picture.
Estimated remaining funds due at closing
$190,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,353.94
Your down payment$167,353.94
Closing costs + prepaids$22,768.24
Total buyer cash needed$190,122.17
Remaining funds due$190,122.17
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%)$9,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,013.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,164.00
Prepaid interest, first (12 days)$1,673.02
Fees + prepaids$22,768.24
Your down payment is the seller’s equity. You take over the $802,645 balance, so the rest of the $969,999 price is paid at closing. A second mortgage can cover part of it. $190,122.17 is due at closing. Uses and sources reconcile at $992,767.24 each. Not a Closing Disclosure.