Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$176,665Cash toward the purchase price.
Closing costs + prepaids$25,695Not just lender fees.
Before credits & paid funds$202,360The complete starting cash picture.
Estimated remaining funds due at closing
$202,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,664.82
Your down payment$176,664.82
Closing costs + prepaids$25,695.42
Total buyer cash needed$202,360.23
Remaining funds due$202,360.23
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%)$11,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,066.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,428.00
Prepaid interest, first (6 days)$1,082.74
Fees + prepaids$25,695.42
Your down payment is the seller’s equity. You take over the $1,013,335 balance, so the rest of the $1,190,000 price is paid at closing. A second mortgage can cover part of it. $202,360.23 is due at closing. Uses and sources reconcile at $1,215,695.42 each. Not a Closing Disclosure.