Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$156,238Cash toward the purchase price.
Closing costs + prepaids$25,476Not just lender fees.
Before credits & paid funds$181,715The complete starting cash picture.
Estimated remaining funds due at closing
$181,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,238.41
Your down payment$156,238.41
Closing costs + prepaids$25,476.40
Total buyer cash needed$181,714.81
Remaining funds due$181,714.81
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%)$11,697.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,067.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,403.75
Prepaid interest, first (6 days)$1,089.59
Fees + prepaids$25,476.40
Your down payment is the seller’s equity. You take over the $1,013,512 balance, so the rest of the $1,169,750 price is paid at closing. A second mortgage can cover part of it. $181,714.81 is due at closing. Uses and sources reconcile at $1,195,226.40 each. Not a Closing Disclosure.