Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,910Cash toward the purchase price.
Closing costs + prepaids$28,344Not just lender fees.
Before credits & paid funds$68,254The complete starting cash picture.
Estimated remaining funds due at closing
$68,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,909.83
Your down payment$39,909.83
Closing costs + prepaids$28,344.20
Total buyer cash needed$68,254.03
Remaining funds due$68,254.03
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,675.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,249.50
Initial HOA (3 months)$193.74
Prepaid interest, first (31 days)$5,257.51
Fees + prepaids$28,344.20
Your down payment is the seller’s equity. You take over the $935,090 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $68,254.03 is due at closing. Uses and sources reconcile at $1,003,344.20 each. Not a Closing Disclosure.