Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$174,073Cash toward the purchase price.
Closing costs + prepaids$21,039Not just lender fees.
Before credits & paid funds$195,112The complete starting cash picture.
Estimated remaining funds due at closing
$195,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,072.94
Your down payment$174,072.94
Closing costs + prepaids$21,039.26
Total buyer cash needed$195,112.21
Remaining funds due$195,112.21
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%)$9,709.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,984.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$631.00
Initial HOA (3 months)$357.00
Prepaid interest, first (1 days)$138.64
Fees + prepaids$21,039.26
Your down payment is the seller’s equity. You take over the $796,926 balance, so the rest of the $970,999 price is paid at closing. A second mortgage can cover part of it. $195,112.21 is due at closing. Uses and sources reconcile at $992,038.26 each. Not a Closing Disclosure.