Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$105,603Cash toward the purchase price.
Closing costs + prepaids$25,032Not just lender fees.
Before credits & paid funds$130,635The complete starting cash picture.
Estimated remaining funds due at closing
$130,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,603.15
Your down payment$105,603.15
Closing costs + prepaids$25,031.88
Total buyer cash needed$130,635.03
Remaining funds due$130,635.03
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,966.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,096.00
Initial HOA (3 months)$327.00
Prepaid interest, first (31 days)$4,433.89
Fees + prepaids$25,031.88
Your down payment is the seller’s equity. You take over the $793,397 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $130,635.03 is due at closing. Uses and sources reconcile at $924,031.88 each. Not a Closing Disclosure.