Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$74,190Cash toward the purchase price.
Closing costs + prepaids$27,040Not just lender fees.
Before credits & paid funds$101,230The complete starting cash picture.
Estimated remaining funds due at closing
$101,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,189.87
Your down payment$74,189.87
Closing costs + prepaids$27,040.48
Total buyer cash needed$101,230.35
Remaining funds due$101,230.35
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%)$9,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,528.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,449.75
Prepaid interest, first (26 days)$4,045.17
Fees + prepaids$27,040.48
Your down payment is the seller’s equity. You take over the $905,710 balance, so the rest of the $979,900 price is paid at closing. A second mortgage can cover part of it. $101,230.35 is due at closing. Uses and sources reconcile at $1,006,940.48 each. Not a Closing Disclosure.