Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$109,882Cash toward the purchase price.
Closing costs + prepaids$23,065Not just lender fees.
Before credits & paid funds$132,947The complete starting cash picture.
Estimated remaining funds due at closing
$132,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,881.94
Your down payment$109,881.94
Closing costs + prepaids$23,064.88
Total buyer cash needed$132,946.82
Remaining funds due$132,946.82
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%)$8,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,950.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$873.25
Initial HOA (3 months)$399.00
Prepaid interest, first (22 days)$2,624.05
Fees + prepaids$23,064.88
Your down payment is the seller’s equity. You take over the $790,117 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $132,946.82 is due at closing. Uses and sources reconcile at $923,063.88 each. Not a Closing Disclosure.