Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,061Cash toward the purchase price.
Closing costs + prepaids$24,445Not just lender fees.
Before credits & paid funds$146,506The complete starting cash picture.
Estimated remaining funds due at closing
$146,506No 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$24,444.74
Total buyer cash needed$146,506.04
Remaining funds due$146,506.04
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 (27 days)$3,634.55
Fees + prepaids$24,444.74
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. $146,506.04 is due at closing. Uses and sources reconcile at $949,344.74 each. Not a Closing Disclosure.