Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$97,564Cash toward the purchase price.
Closing costs + prepaids$30,052Not just lender fees.
Before credits & paid funds$127,616The complete starting cash picture.
Estimated remaining funds due at closing
$127,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,564.19
Your down payment$97,564.19
Closing costs + prepaids$30,051.89
Total buyer cash needed$127,616.09
Remaining funds due$127,616.09
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,007.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,747.50
Prepaid interest, first (27 days)$5,089.21
Fees + prepaids$30,051.89
Your down payment is the seller’s equity. You take over the $1,001,436 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $127,616.09 is due at closing. Uses and sources reconcile at $1,129,051.89 each. Not a Closing Disclosure.