Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$111,407Cash toward the purchase price.
Closing costs + prepaids$22,204Not just lender fees.
Before credits & paid funds$133,611The complete starting cash picture.
Estimated remaining funds due at closing
$133,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,407.08
Your down payment$111,407.08
Closing costs + prepaids$22,204.14
Total buyer cash needed$133,611.22
Remaining funds due$133,611.22
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,192.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$100.00
Initial HOA (3 months)$549.99
Prepaid interest, first (24 days)$1,643.18
Fees + prepaids$22,204.14
Your down payment is the seller’s equity. You take over the $838,593 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $133,611.22 is due at closing. Uses and sources reconcile at $972,204.14 each. Not a Closing Disclosure.