Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$137,241Cash toward the purchase price.
Closing costs + prepaids$28,330Not just lender fees.
Before credits & paid funds$165,571The complete starting cash picture.
Estimated remaining funds due at closing
$165,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,241.50
Your down payment$137,241.50
Closing costs + prepaids$28,329.63
Total buyer cash needed$165,571.13
Remaining funds due$165,571.13
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,938.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,777.50
Prepaid interest, first (23 days)$4,145.34
Fees + prepaids$28,329.63
Your down payment is the seller’s equity. You take over the $987,759 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $165,571.13 is due at closing. Uses and sources reconcile at $1,153,329.63 each. Not a Closing Disclosure.