Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$114,611Cash toward the purchase price.
Closing costs + prepaids$22,779Not just lender fees.
Before credits & paid funds$137,390The complete starting cash picture.
Estimated remaining funds due at closing
$137,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,610.62
Your down payment$114,610.62
Closing costs + prepaids$22,779.37
Total buyer cash needed$137,389.99
Remaining funds due$137,389.99
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%)$3,926.94
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)$2,362.19
Fees + prepaids$22,779.37
Your down payment is the seller’s equity. You take over the $785,388 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $137,389.99 is due at closing. Uses and sources reconcile at $922,778.37 each. Not a Closing Disclosure.