Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$138,443Cash toward the purchase price.
Closing costs + prepaids$20,574Not just lender fees.
Before credits & paid funds$159,017The complete starting cash picture.
Estimated remaining funds due at closing
$159,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,443.46
Your down payment$138,443.46
Closing costs + prepaids$20,573.85
Total buyer cash needed$159,017.31
Remaining funds due$159,017.31
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%)$8,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,757.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,068.00
Prepaid interest, first (6 days)$630.07
Fees + prepaids$20,573.85
Your down payment is the seller’s equity. You take over the $751,557 balance, so the rest of the $890,000 price is paid at closing. A second mortgage can cover part of it. $159,017.31 is due at closing. Uses and sources reconcile at $910,573.85 each. Not a Closing Disclosure.