Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,900Cash toward the purchase price.
Closing costs + prepaids$22,621Not just lender fees.
Before credits & paid funds$127,521The complete starting cash picture.
Estimated remaining funds due at closing
$127,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,900.11
Your down payment$104,900.11
Closing costs + prepaids$22,620.69
Total buyer cash needed$127,520.80
Remaining funds due$127,520.80
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,975.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,428.75
Initial HOA (3 months)$230.25
Prepaid interest, first (25 days)$1,769.69
Fees + prepaids$22,620.69
Your down payment is the seller’s equity. You take over the $795,000 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $127,520.80 is due at closing. Uses and sources reconcile at $922,520.69 each. Not a Closing Disclosure.