Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$104,943Cash toward the purchase price.
Closing costs + prepaids$25,244Not just lender fees.
Before credits & paid funds$130,187The complete starting cash picture.
Estimated remaining funds due at closing
$130,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,942.62
Your down payment$104,942.62
Closing costs + prepaids$25,244.10
Total buyer cash needed$130,186.72
Remaining funds due$130,186.72
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%)$9,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,325.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,425.00
Initial HOA (3 months)$585.00
Prepaid interest, first (28 days)$1,990.82
Fees + prepaids$25,244.10
Your down payment is the seller’s equity. You take over the $865,057 balance, so the rest of the $970,000 price is paid at closing. A second mortgage can cover part of it. $130,186.72 is due at closing. Uses and sources reconcile at $995,244.10 each. Not a Closing Disclosure.