Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$107,772Cash toward the purchase price.
Closing costs + prepaids$36,211Not just lender fees.
Before credits & paid funds$143,983The complete starting cash picture.
Estimated remaining funds due at closing
$143,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,772.31
Your down payment$107,772.31
Closing costs + prepaids$36,210.72
Total buyer cash needed$143,983.02
Remaining funds due$143,983.02
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%)$13,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,356.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,447.50
Initial HOA (3 months)$456.00
Prepaid interest, first (27 days)$5,943.08
Fees + prepaids$36,210.72
Your down payment is the seller’s equity. You take over the $1,271,228 balance, so the rest of the $1,379,000 price is paid at closing. A second mortgage can cover part of it. $143,983.02 is due at closing. Uses and sources reconcile at $1,415,210.72 each. Not a Closing Disclosure.