Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$113,090Cash toward the purchase price.
Closing costs + prepaids$27,819Not just lender fees.
Before credits & paid funds$140,909The complete starting cash picture.
Estimated remaining funds due at closing
$140,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,089.60
Your down payment$113,089.60
Closing costs + prepaids$27,819.31
Total buyer cash needed$140,908.91
Remaining funds due$140,908.91
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%)$9,988.80
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,428.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,497.25
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$4,566.31
Fees + prepaids$27,819.31
Your down payment is the seller’s equity. You take over the $885,790 balance, so the rest of the $998,880 price is paid at closing. A second mortgage can cover part of it. $140,908.91 is due at closing. Uses and sources reconcile at $1,026,699.31 each. Not a Closing Disclosure.