Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$167,811Cash toward the purchase price.
Closing costs + prepaids$21,909Not just lender fees.
Before credits & paid funds$189,720The complete starting cash picture.
Estimated remaining funds due at closing
$189,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,810.99
Your down payment$167,810.99
Closing costs + prepaids$21,909.00
Total buyer cash needed$189,719.99
Remaining funds due$189,719.99
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,910.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,140.00
Initial HOA (3 months)$165.00
Prepaid interest, first (7 days)$975.06
Fees + prepaids$21,909.00
Your down payment is the seller’s equity. You take over the $782,189 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $189,719.99 is due at closing. Uses and sources reconcile at $971,909.00 each. Not a Closing Disclosure.