Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$80,108Cash toward the purchase price.
Closing costs + prepaids$26,829Not just lender fees.
Before credits & paid funds$106,936The complete starting cash picture.
Estimated remaining funds due at closing
$106,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,107.75
Your down payment$80,107.75
Closing costs + prepaids$26,828.71
Total buyer cash needed$106,936.46
Remaining funds due$106,936.46
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%)$9,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,574.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,087.25
Initial HOA (3 months)$600.00
Prepaid interest, first (27 days)$4,399.00
Fees + prepaids$26,828.71
Your down payment is the seller’s equity. You take over the $914,892 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $106,936.46 is due at closing. Uses and sources reconcile at $1,021,828.71 each. Not a Closing Disclosure.