Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$107,264Cash toward the purchase price.
Closing costs + prepaids$35,475Not just lender fees.
Before credits & paid funds$142,739The complete starting cash picture.
Estimated remaining funds due at closing
$142,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,264.13
Your down payment$107,264.13
Closing costs + prepaids$35,474.72
Total buyer cash needed$142,738.84
Remaining funds due$142,738.84
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%)$13,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,213.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,375.00
Prepaid interest, first (28 days)$6,168.05
Fees + prepaids$35,474.72
Your down payment is the seller’s equity. You take over the $1,242,735 balance, so the rest of the $1,349,999 price is paid at closing. A second mortgage can cover part of it. $142,738.84 is due at closing. Uses and sources reconcile at $1,385,473.72 each. Not a Closing Disclosure.