Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,103Cash toward the purchase price.
Closing costs + prepaids$29,853Not just lender fees.
Before credits & paid funds$157,955The complete starting cash picture.
Estimated remaining funds due at closing
$157,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,102.57
Your down payment$128,102.57
Closing costs + prepaids$29,852.60
Total buyer cash needed$157,955.17
Remaining funds due$157,955.17
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,859.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,750.00
Prepaid interest, first (28 days)$5,025.11
Fees + prepaids$29,852.60
Your down payment is the seller’s equity. You take over the $971,897 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $157,955.17 is due at closing. Uses and sources reconcile at $1,129,852.60 each. Not a Closing Disclosure.