Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$133,356Cash toward the purchase price.
Closing costs + prepaids$26,218Not just lender fees.
Before credits & paid funds$159,574The complete starting cash picture.
Estimated remaining funds due at closing
$159,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,356.20
Your down payment$133,356.20
Closing costs + prepaids$26,217.82
Total buyer cash needed$159,574.03
Remaining funds due$159,574.03
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%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,333.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,500.00
Initial HOA (3 months)$438.00
Prepaid interest, first (26 days)$2,728.62
Fees + prepaids$26,217.82
Your down payment is the seller’s equity. You take over the $866,643 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $159,574.03 is due at closing. Uses and sources reconcile at $1,026,216.82 each. Not a Closing Disclosure.