Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$124,351Cash toward the purchase price.
Closing costs + prepaids$28,569Not just lender fees.
Before credits & paid funds$152,920The complete starting cash picture.
Estimated remaining funds due at closing
$152,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,351.38
Your down payment$124,351.38
Closing costs + prepaids$28,568.71
Total buyer cash needed$152,920.09
Remaining funds due$152,920.09
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,373.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,497.50
Initial HOA (3 months)$1,665.00
Prepaid interest, first (23 days)$3,824.97
Fees + prepaids$28,568.71
Your down payment is the seller’s equity. You take over the $874,649 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $152,920.09 is due at closing. Uses and sources reconcile at $1,027,568.71 each. Not a Closing Disclosure.