Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$80,247Cash toward the purchase price.
Closing costs + prepaids$29,614Not just lender fees.
Before credits & paid funds$109,861The complete starting cash picture.
Estimated remaining funds due at closing
$109,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,246.94
Your down payment$80,246.94
Closing costs + prepaids$29,613.91
Total buyer cash needed$109,860.85
Remaining funds due$109,860.85
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%)$11,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,598.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$507.75
Prepaid interest, first (28 days)$5,290.90
Fees + prepaids$29,613.91
Your down payment is the seller’s equity. You take over the $1,119,653 balance, so the rest of the $1,199,900 price is paid at closing. A second mortgage can cover part of it. $109,860.85 is due at closing. Uses and sources reconcile at $1,229,513.91 each. Not a Closing Disclosure.