Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,993Cash toward the purchase price.
Closing costs + prepaids$26,740Not just lender fees.
Before credits & paid funds$129,733The complete starting cash picture.
Estimated remaining funds due at closing
$129,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,993.17
Your down payment$102,993.17
Closing costs + prepaids$26,739.90
Total buyer cash needed$129,733.06
Remaining funds due$129,733.06
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,235.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,375.00
Prepaid interest, first (28 days)$4,411.86
Fees + prepaids$26,739.90
Your down payment is the seller’s equity. You take over the $847,007 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $129,733.06 is due at closing. Uses and sources reconcile at $976,739.90 each. Not a Closing Disclosure.