Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$104,056Cash toward the purchase price.
Closing costs + prepaids$24,079Not just lender fees.
Before credits & paid funds$128,135The complete starting cash picture.
Estimated remaining funds due at closing
$128,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,056.24
Your down payment$104,056.24
Closing costs + prepaids$24,079.16
Total buyer cash needed$128,135.40
Remaining funds due$128,135.40
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,854.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,245.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$3,980.18
Fees + prepaids$24,079.16
Your down payment is the seller’s equity. You take over the $770,944 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $128,135.40 is due at closing. Uses and sources reconcile at $899,079.16 each. Not a Closing Disclosure.