Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$113,990Cash toward the purchase price.
Closing costs + prepaids$25,821Not just lender fees.
Before credits & paid funds$139,811The complete starting cash picture.
Estimated remaining funds due at closing
$139,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,990.28
Your down payment$113,990.28
Closing costs + prepaids$25,820.61
Total buyer cash needed$139,810.90
Remaining funds due$139,810.90
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,180.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,671.00
Initial HOA (3 months)$375.00
Prepaid interest, first (25 days)$3,876.57
Fees + prepaids$25,820.61
Your down payment is the seller’s equity. You take over the $836,010 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $139,810.90 is due at closing. Uses and sources reconcile at $975,820.61 each. Not a Closing Disclosure.