Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$82,628Cash toward the purchase price.
Closing costs + prepaids$26,609Not just lender fees.
Before credits & paid funds$109,237The complete starting cash picture.
Estimated remaining funds due at closing
$109,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,628.02
Your down payment$82,628.02
Closing costs + prepaids$26,608.55
Total buyer cash needed$109,236.57
Remaining funds due$109,236.57
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%)$10,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,711.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,380.00
Initial HOA (3 months)$816.00
Prepaid interest, first (24 days)$3,234.19
Fees + prepaids$26,608.55
Your down payment is the seller’s equity. You take over the $942,272 balance, so the rest of the $1,024,900 price is paid at closing. A second mortgage can cover part of it. $109,236.57 is due at closing. Uses and sources reconcile at $1,051,508.55 each. Not a Closing Disclosure.