Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$123,766Cash toward the purchase price.
Closing costs + prepaids$26,043Not just lender fees.
Before credits & paid funds$149,809The complete starting cash picture.
Estimated remaining funds due at closing
$149,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,765.81
Your down payment$123,765.81
Closing costs + prepaids$26,043.29
Total buyer cash needed$149,809.10
Remaining funds due$149,809.10
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%)$10,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,881.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,395.00
Initial HOA (3 months)$366.99
Prepaid interest, first (1 days)$182.14
Fees + prepaids$26,043.29
Your down payment is the seller’s equity. You take over the $976,233 balance, so the rest of the $1,099,999 price is paid at closing. A second mortgage can cover part of it. $149,809.10 is due at closing. Uses and sources reconcile at $1,126,042.29 each. Not a Closing Disclosure.