Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$133,662Cash toward the purchase price.
Closing costs + prepaids$23,227Not just lender fees.
Before credits & paid funds$156,890The complete starting cash picture.
Estimated remaining funds due at closing
$156,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,662.27
Your down payment$133,662.27
Closing costs + prepaids$23,227.32
Total buyer cash needed$156,889.58
Remaining funds due$156,889.58
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%)$8,899.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,781.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,225.00
Initial HOA (3 months)$126.00
Prepaid interest, first (18 days)$1,976.81
Fees + prepaids$23,227.32
Your down payment is the seller’s equity. You take over the $756,326 balance, so the rest of the $889,988 price is paid at closing. A second mortgage can cover part of it. $156,889.58 is due at closing. Uses and sources reconcile at $913,215.32 each. Not a Closing Disclosure.