Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$190,417Cash toward the purchase price.
Closing costs + prepaids$21,888Not just lender fees.
Before credits & paid funds$212,304The complete starting cash picture.
Estimated remaining funds due at closing
$212,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,417.00
Your down payment$190,417.00
Closing costs + prepaids$21,887.50
Total buyer cash needed$212,304.50
Remaining funds due$212,304.50
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,422.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$869.75
Initial HOA (3 months)$282.00
Prepaid interest, first (19 days)$2,344.84
Fees + prepaids$21,887.50
Your down payment is the seller’s equity. You take over the $684,583 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $212,304.50 is due at closing. Uses and sources reconcile at $896,887.50 each. Not a Closing Disclosure.