Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$103,112Cash toward the purchase price.
Closing costs + prepaids$29,338Not just lender fees.
Before credits & paid funds$132,450The complete starting cash picture.
Estimated remaining funds due at closing
$132,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,112.34
Your down payment$103,112.34
Closing costs + prepaids$29,337.58
Total buyer cash needed$132,449.93
Remaining funds due$132,449.93
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%)$10,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,858.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,687.25
Initial HOA (3 months)$294.00
Prepaid interest, first (24 days)$4,530.39
Fees + prepaids$29,337.58
Your down payment is the seller’s equity. You take over the $971,788 balance, so the rest of the $1,074,900 price is paid at closing. A second mortgage can cover part of it. $132,449.93 is due at closing. Uses and sources reconcile at $1,104,237.58 each. Not a Closing Disclosure.