Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,104Cash toward the purchase price.
Closing costs + prepaids$24,518Not just lender fees.
Before credits & paid funds$103,622The complete starting cash picture.
Estimated remaining funds due at closing
$103,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,103.72
Your down payment$79,103.72
Closing costs + prepaids$24,517.88
Total buyer cash needed$103,621.61
Remaining funds due$103,621.61
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%)$11,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,603.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$507.75
Prepaid interest, first (1 days)$189.15
Fees + prepaids$24,517.88
Your down payment is the seller’s equity. You take over the $1,120,796 balance, so the rest of the $1,199,900 price is paid at closing. A second mortgage can cover part of it. $103,621.61 is due at closing. Uses and sources reconcile at $1,224,417.88 each. Not a Closing Disclosure.