Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$114,543Cash toward the purchase price.
Closing costs + prepaids$30,086Not just lender fees.
Before credits & paid funds$144,628The complete starting cash picture.
Estimated remaining funds due at closing
$144,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,542.54
Your down payment$114,542.54
Closing costs + prepaids$30,085.57
Total buyer cash needed$144,628.12
Remaining funds due$144,628.12
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%)$10,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,926.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,858.25
Initial HOA (3 months)$140.01
Prepaid interest, first (28 days)$4,943.52
Fees + prepaids$30,085.57
Your down payment is the seller’s equity. You take over the $985,357 balance, so the rest of the $1,099,900 price is paid at closing. A second mortgage can cover part of it. $144,628.12 is due at closing. Uses and sources reconcile at $1,129,985.57 each. Not a Closing Disclosure.