Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$143,009Cash toward the purchase price.
Closing costs + prepaids$26,179Not just lender fees.
Before credits & paid funds$169,188The complete starting cash picture.
Estimated remaining funds due at closing
$169,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,008.78
Your down payment$143,008.78
Closing costs + prepaids$26,179.42
Total buyer cash needed$169,188.20
Remaining funds due$169,188.20
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,279.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,582.00
Prepaid interest, first (27 days)$4,109.46
Fees + prepaids$26,179.42
Your down payment is the seller’s equity. You take over the $855,991 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $169,188.20 is due at closing. Uses and sources reconcile at $1,025,179.42 each. Not a Closing Disclosure.