Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$72,689Cash toward the purchase price.
Closing costs + prepaids$27,453Not just lender fees.
Before credits & paid funds$100,142The complete starting cash picture.
Estimated remaining funds due at closing
$100,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,688.76
Your down payment$72,688.76
Closing costs + prepaids$27,453.23
Total buyer cash needed$100,141.99
Remaining funds due$100,141.99
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%)$9,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,436.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,399.75
Prepaid interest, first (29 days)$4,800.42
Fees + prepaids$27,453.23
Your down payment is the seller’s equity. You take over the $887,211 balance, so the rest of the $959,900 price is paid at closing. A second mortgage can cover part of it. $100,141.99 is due at closing. Uses and sources reconcile at $987,353.23 each. Not a Closing Disclosure.