Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,323Cash toward the purchase price.
Closing costs + prepaids$38,486Not just lender fees.
Before credits & paid funds$145,809The complete starting cash picture.
Estimated remaining funds due at closing
$145,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,323.41
Your down payment$107,323.41
Closing costs + prepaids$38,485.70
Total buyer cash needed$145,809.10
Remaining funds due$145,809.10
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%)$15,598.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,262.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$383.25
Initial HOA (3 months)$534.99
Prepaid interest, first (31 days)$8,487.75
Fees + prepaids$38,485.70
Your down payment is the seller’s equity. You take over the $1,452,565 balance, so the rest of the $1,559,888 price is paid at closing. A second mortgage can cover part of it. $145,809.10 is due at closing. Uses and sources reconcile at $1,598,373.70 each. Not a Closing Disclosure.