Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$112,501Cash toward the purchase price.
Closing costs + prepaids$27,079Not just lender fees.
Before credits & paid funds$139,580The complete starting cash picture.
Estimated remaining funds due at closing
$139,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,501.24
Your down payment$112,501.24
Closing costs + prepaids$27,078.94
Total buyer cash needed$139,580.18
Remaining funds due$139,580.18
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%)$9,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,162.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,362.50
Initial HOA (3 months)$1,506.00
Prepaid interest, first (29 days)$3,379.94
Fees + prepaids$27,078.94
Your down payment is the seller’s equity. You take over the $832,499 balance, so the rest of the $945,000 price is paid at closing. A second mortgage can cover part of it. $139,580.18 is due at closing. Uses and sources reconcile at $972,078.94 each. Not a Closing Disclosure.