Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$103,039Cash toward the purchase price.
Closing costs + prepaids$26,646Not just lender fees.
Before credits & paid funds$129,686The complete starting cash picture.
Estimated remaining funds due at closing
$129,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,039.31
Your down payment$103,039.31
Closing costs + prepaids$26,646.35
Total buyer cash needed$129,685.66
Remaining funds due$129,685.66
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,984.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,249.75
Initial HOA (3 months)$1,080.00
Prepaid interest, first (29 days)$4,115.29
Fees + prepaids$26,646.35
Your down payment is the seller’s equity. You take over the $796,861 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $129,685.66 is due at closing. Uses and sources reconcile at $926,546.35 each. Not a Closing Disclosure.