Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$111,930Cash toward the purchase price.
Closing costs + prepaids$24,887Not just lender fees.
Before credits & paid funds$136,817The complete starting cash picture.
Estimated remaining funds due at closing
$136,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,929.91
Your down payment$111,929.91
Closing costs + prepaids$24,886.92
Total buyer cash needed$136,816.83
Remaining funds due$136,816.83
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%)$8,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,940.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,380.25
Initial HOA (3 months)$375.00
Prepaid interest, first (22 days)$2,973.47
Fees + prepaids$24,886.92
Your down payment is the seller’s equity. You take over the $788,060 balance, so the rest of the $899,990 price is paid at closing. A second mortgage can cover part of it. $136,816.83 is due at closing. Uses and sources reconcile at $924,876.92 each. Not a Closing Disclosure.