Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$105,603Cash toward the purchase price.
Closing costs + prepaids$23,745Not just lender fees.
Before credits & paid funds$129,348The complete starting cash picture.
Estimated remaining funds due at closing
$129,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,603.15
Your down payment$105,603.15
Closing costs + prepaids$23,744.62
Total buyer cash needed$129,347.77
Remaining funds due$129,347.77
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,966.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,096.00
Initial HOA (3 months)$327.00
Prepaid interest, first (22 days)$3,146.63
Fees + prepaids$23,744.62
Your down payment is the seller’s equity. You take over the $793,397 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $129,347.77 is due at closing. Uses and sources reconcile at $922,744.62 each. Not a Closing Disclosure.