Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$115,560Cash toward the purchase price.
Closing costs + prepaids$32,947Not just lender fees.
Before credits & paid funds$148,507The complete starting cash picture.
Estimated remaining funds due at closing
$148,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,560.20
Your down payment$115,560.20
Closing costs + prepaids$32,946.97
Total buyer cash needed$148,507.18
Remaining funds due$148,507.18
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%)$12,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,622.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,100.00
Prepaid interest, first (28 days)$5,606.79
Fees + prepaids$32,946.97
Your down payment is the seller’s equity. You take over the $1,124,439 balance, so the rest of the $1,239,999 price is paid at closing. A second mortgage can cover part of it. $148,507.18 is due at closing. Uses and sources reconcile at $1,272,945.97 each. Not a Closing Disclosure.