Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$97,734Cash toward the purchase price.
Closing costs + prepaids$32,548Not just lender fees.
Before credits & paid funds$130,282The complete starting cash picture.
Estimated remaining funds due at closing
$130,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,734.32
Your down payment$97,734.32
Closing costs + prepaids$32,547.89
Total buyer cash needed$130,282.21
Remaining funds due$130,282.21
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%)$12,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,656.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,072.50
Prepaid interest, first (28 days)$5,311.06
Fees + prepaids$32,547.89
Your down payment is the seller’s equity. You take over the $1,131,266 balance, so the rest of the $1,229,000 price is paid at closing. A second mortgage can cover part of it. $130,282.21 is due at closing. Uses and sources reconcile at $1,261,547.89 each. Not a Closing Disclosure.