Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$99,763Cash toward the purchase price.
Closing costs + prepaids$34,411Not just lender fees.
Before credits & paid funds$134,174The complete starting cash picture.
Estimated remaining funds due at closing
$134,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,763.05
Your down payment$99,763.05
Closing costs + prepaids$34,410.97
Total buyer cash needed$134,174.02
Remaining funds due$134,174.02
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%)$13,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,376.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,437.50
Prepaid interest, first (25 days)$4,629.28
Fees + prepaids$34,410.97
Your down payment is the seller’s equity. You take over the $1,275,237 balance, so the rest of the $1,375,000 price is paid at closing. A second mortgage can cover part of it. $134,174.02 is due at closing. Uses and sources reconcile at $1,409,410.97 each. Not a Closing Disclosure.