Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,179Cash toward the purchase price.
Closing costs + prepaids$22,597Not just lender fees.
Before credits & paid funds$101,777The complete starting cash picture.
Estimated remaining funds due at closing
$101,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,179.46
Your down payment$79,179.46
Closing costs + prepaids$22,597.44
Total buyer cash needed$101,776.91
Remaining funds due$101,776.91
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%)$4,579.10
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 (1 days)$163.09
Fees + prepaids$22,597.44
Your down payment is the seller’s equity. You take over the $915,821 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $101,776.91 is due at closing. Uses and sources reconcile at $1,017,597.44 each. Not a Closing Disclosure.