Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$101,522Cash toward the purchase price.
Closing costs + prepaids$27,425Not just lender fees.
Before credits & paid funds$128,948The complete starting cash picture.
Estimated remaining funds due at closing
$128,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,522.48
Your down payment$101,522.48
Closing costs + prepaids$27,425.32
Total buyer cash needed$128,947.80
Remaining funds due$128,947.80
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%)$9,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,287.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,397.50
Initial HOA (3 months)$708.00
Prepaid interest, first (27 days)$4,224.43
Fees + prepaids$27,425.32
Your down payment is the seller’s equity. You take over the $857,478 balance, so the rest of the $959,000 price is paid at closing. A second mortgage can cover part of it. $128,947.80 is due at closing. Uses and sources reconcile at $986,425.32 each. Not a Closing Disclosure.