Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$132,686Cash toward the purchase price.
Closing costs + prepaids$22,794Not just lender fees.
Before credits & paid funds$155,480The complete starting cash picture.
Estimated remaining funds due at closing
$155,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,685.83
Your down payment$132,685.83
Closing costs + prepaids$22,793.74
Total buyer cash needed$155,479.57
Remaining funds due$155,479.57
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%)$9,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,136.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,152.00
Initial HOA (3 months)$300.00
Prepaid interest, first (12 days)$1,387.17
Fees + prepaids$22,793.74
Your down payment is the seller’s equity. You take over the $827,314 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $155,479.57 is due at closing. Uses and sources reconcile at $982,793.74 each. Not a Closing Disclosure.