Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$77,762Cash toward the purchase price.
Closing costs + prepaids$25,418Not just lender fees.
Before credits & paid funds$103,180The complete starting cash picture.
Estimated remaining funds due at closing
$103,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,761.98
Your down payment$77,761.98
Closing costs + prepaids$25,417.86
Total buyer cash needed$103,179.84
Remaining funds due$103,179.84
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,606.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,001.00
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$3,577.68
Fees + prepaids$25,417.86
Your down payment is the seller’s equity. You take over the $921,238 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $103,179.84 is due at closing. Uses and sources reconcile at $1,024,417.86 each. Not a Closing Disclosure.