Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$117,420Cash toward the purchase price.
Closing costs + prepaids$22,226Not just lender fees.
Before credits & paid funds$139,646The complete starting cash picture.
Estimated remaining funds due at closing
$139,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,420.21
Your down payment$117,420.21
Closing costs + prepaids$22,225.93
Total buyer cash needed$139,646.13
Remaining funds due$139,646.13
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%)$10,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,787.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$50.50
Initial HOA (3 months)$249.00
Prepaid interest, first (1 days)$170.53
Fees + prepaids$22,225.93
Your down payment is the seller’s equity. You take over the $957,580 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $139,646.13 is due at closing. Uses and sources reconcile at $1,097,225.93 each. Not a Closing Disclosure.