Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$122,028Cash toward the purchase price.
Closing costs + prepaids$22,482Not just lender fees.
Before credits & paid funds$144,510The complete starting cash picture.
Estimated remaining funds due at closing
$144,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,028.05
Your down payment$122,028.05
Closing costs + prepaids$22,481.57
Total buyer cash needed$144,509.62
Remaining funds due$144,509.62
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,534.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,072.50
Initial HOA (3 months)$807.00
Prepaid interest, first (28 days)$1,559.21
Fees + prepaids$22,481.57
Your down payment is the seller’s equity. You take over the $706,972 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $144,509.62 is due at closing. Uses and sources reconcile at $851,481.57 each. Not a Closing Disclosure.