Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$165,319Cash toward the purchase price.
Closing costs + prepaids$24,812Not just lender fees.
Before credits & paid funds$190,131The complete starting cash picture.
Estimated remaining funds due at closing
$190,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,319.48
Your down payment$165,319.48
Closing costs + prepaids$24,811.57
Total buyer cash needed$190,131.05
Remaining funds due$190,131.05
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,673.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,320.00
Initial HOA (3 months)$192.00
Prepaid interest, first (9 days)$1,408.17
Fees + prepaids$24,811.57
Your down payment is the seller’s equity. You take over the $934,681 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $190,131.05 is due at closing. Uses and sources reconcile at $1,124,811.57 each. Not a Closing Disclosure.