Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$93,400Cash toward the purchase price.
Closing costs + prepaids$29,581Not just lender fees.
Before credits & paid funds$122,981The complete starting cash picture.
Estimated remaining funds due at closing
$122,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,399.53
Your down payment$93,399.53
Closing costs + prepaids$29,581.35
Total buyer cash needed$122,980.89
Remaining funds due$122,980.89
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%)$11,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,528.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$992.25
Initial HOA (3 months)$18.75
Prepaid interest, first (28 days)$4,834.35
Fees + prepaids$29,581.35
Your down payment is the seller’s equity. You take over the $1,105,600 balance, so the rest of the $1,199,000 price is paid at closing. A second mortgage can cover part of it. $122,980.89 is due at closing. Uses and sources reconcile at $1,228,581.35 each. Not a Closing Disclosure.