Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,830Cash toward the purchase price.
Closing costs + prepaids$42,906Not just lender fees.
Before credits & paid funds$100,736The complete starting cash picture.
Estimated remaining funds due at closing
$100,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,829.90
Your down payment$57,829.90
Closing costs + prepaids$42,906.47
Total buyer cash needed$100,736.37
Remaining funds due$100,736.37
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%)$15,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,455.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,872.50
Initial HOA (3 months)$2,679.00
Prepaid interest, first (26 days)$7,191.12
Fees + prepaids$42,906.47
Your down payment is the seller’s equity. You take over the $1,491,170 balance, so the rest of the $1,549,000 price is paid at closing. A second mortgage can cover part of it. $100,736.37 is due at closing. Uses and sources reconcile at $1,591,906.47 each. Not a Closing Disclosure.