Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$86,399Cash toward the purchase price.
Closing costs + prepaids$27,705Not just lender fees.
Before credits & paid funds$114,104The complete starting cash picture.
Estimated remaining funds due at closing
$114,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,398.70
Your down payment$86,398.70
Closing costs + prepaids$27,705.36
Total buyer cash needed$114,104.06
Remaining funds due$114,104.06
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%)$10,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,943.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$336.75
Prepaid interest, first (31 days)$5,457.62
Fees + prepaids$27,705.36
Your down payment is the seller’s equity. You take over the $988,600 balance, so the rest of the $1,074,999 price is paid at closing. A second mortgage can cover part of it. $114,104.06 is due at closing. Uses and sources reconcile at $1,102,704.36 each. Not a Closing Disclosure.