Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$146,408Cash toward the purchase price.
Closing costs + prepaids$25,336Not just lender fees.
Before credits & paid funds$171,745The complete starting cash picture.
Estimated remaining funds due at closing
$171,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,408.25
Your down payment$146,408.25
Closing costs + prepaids$25,336.45
Total buyer cash needed$171,744.70
Remaining funds due$171,744.70
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%)$10,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,692.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,302.00
Initial HOA (3 months)$187.50
Prepaid interest, first (12 days)$2,085.99
Fees + prepaids$25,336.45
Your down payment is the seller’s equity. You take over the $938,592 balance, so the rest of the $1,085,000 price is paid at closing. A second mortgage can cover part of it. $171,744.70 is due at closing. Uses and sources reconcile at $1,110,336.45 each. Not a Closing Disclosure.