Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$151,401Cash toward the purchase price.
Closing costs + prepaids$22,507Not just lender fees.
Before credits & paid funds$173,909The complete starting cash picture.
Estimated remaining funds due at closing
$173,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,401.11
Your down payment$151,401.11
Closing costs + prepaids$22,507.50
Total buyer cash needed$173,908.60
Remaining funds due$173,908.60
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%)$8,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,732.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$666.75
Initial HOA (3 months)$447.00
Prepaid interest, first (20 days)$2,462.75
Fees + prepaids$22,507.50
Your down payment is the seller’s equity. You take over the $746,599 balance, so the rest of the $898,000 price is paid at closing. A second mortgage can cover part of it. $173,908.60 is due at closing. Uses and sources reconcile at $920,507.50 each. Not a Closing Disclosure.