Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$94,795Cash toward the purchase price.
Closing costs + prepaids$29,942Not just lender fees.
Before credits & paid funds$124,738The complete starting cash picture.
Estimated remaining funds due at closing
$124,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,795.45
Your down payment$94,795.45
Closing costs + prepaids$29,942.13
Total buyer cash needed$124,737.57
Remaining funds due$124,737.57
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,151.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,812.50
Initial HOA (3 months)$291.00
Prepaid interest, first (23 days)$4,219.60
Fees + prepaids$29,942.13
Your down payment is the seller’s equity. You take over the $1,030,205 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $124,737.57 is due at closing. Uses and sources reconcile at $1,154,942.13 each. Not a Closing Disclosure.