Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$127,361Cash toward the purchase price.
Closing costs + prepaids$23,188Not just lender fees.
Before credits & paid funds$150,549The complete starting cash picture.
Estimated remaining funds due at closing
$150,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,361.20
Your down payment$127,361.20
Closing costs + prepaids$23,187.80
Total buyer cash needed$150,549.00
Remaining funds due$150,549.00
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%)$8,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,762.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,199.75
Initial HOA (3 months)$93.00
Prepaid interest, first (18 days)$2,115.36
Fees + prepaids$23,187.80
Your down payment is the seller’s equity. You take over the $752,539 balance, so the rest of the $879,900 price is paid at closing. A second mortgage can cover part of it. $150,549.00 is due at closing. Uses and sources reconcile at $903,087.80 each. Not a Closing Disclosure.