Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$61,667Cash toward the purchase price.
Closing costs + prepaids$35,283Not just lender fees.
Before credits & paid funds$96,950The complete starting cash picture.
Estimated remaining funds due at closing
$96,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,667.23
Your down payment$61,667.23
Closing costs + prepaids$35,282.60
Total buyer cash needed$96,949.82
Remaining funds due$96,949.82
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%)$12,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,186.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,247.50
Initial HOA (3 months)$1,725.00
Prepaid interest, first (29 days)$4,915.43
Fees + prepaids$35,282.60
Your down payment is the seller’s equity. You take over the $1,237,333 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $96,949.82 is due at closing. Uses and sources reconcile at $1,334,282.60 each. Not a Closing Disclosure.