Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$190,341Cash toward the purchase price.
Closing costs + prepaids$20,716Not just lender fees.
Before credits & paid funds$211,057The complete starting cash picture.
Estimated remaining funds due at closing
$211,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,340.60
Your down payment$190,340.60
Closing costs + prepaids$20,716.15
Total buyer cash needed$211,056.75
Remaining funds due$211,056.75
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,543.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,078.75
Initial HOA (3 months)$113.76
Prepaid interest, first (9 days)$772.34
Fees + prepaids$20,716.15
Your down payment is the seller’s equity. You take over the $708,659 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $211,056.75 is due at closing. Uses and sources reconcile at $919,716.15 each. Not a Closing Disclosure.