Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$165,319Cash toward the purchase price.
Closing costs + prepaids$28,169Not just lender fees.
Before credits & paid funds$193,488The complete starting cash picture.
Estimated remaining funds due at closing
$193,488No 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$28,169.00
Total buyer cash needed$193,488.49
Remaining funds due$193,488.49
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)$1,235.25
Initial HOA (3 months)$192.00
Prepaid interest, first (31 days)$4,850.35
Fees + prepaids$28,169.00
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. $193,488.49 is due at closing. Uses and sources reconcile at $1,128,169.00 each. Not a Closing Disclosure.