Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$122,061Cash toward the purchase price.
Closing costs + prepaids$23,637Not just lender fees.
Before credits & paid funds$145,698The complete starting cash picture.
Estimated remaining funds due at closing
$145,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,061.30
Your down payment$122,061.30
Closing costs + prepaids$23,637.07
Total buyer cash needed$145,698.37
Remaining funds due$145,698.37
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%)$9,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,014.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$906.00
Initial HOA (3 months)$423.00
Prepaid interest, first (21 days)$2,826.87
Fees + prepaids$23,637.07
Your down payment is the seller’s equity. You take over the $802,839 balance, so the rest of the $924,900 price is paid at closing. A second mortgage can cover part of it. $145,698.37 is due at closing. Uses and sources reconcile at $948,537.07 each. Not a Closing Disclosure.