Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,197Cash toward the purchase price.
Closing costs + prepaids$25,693Not just lender fees.
Before credits & paid funds$127,890The complete starting cash picture.
Estimated remaining funds due at closing
$127,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,196.78
Your down payment$102,196.78
Closing costs + prepaids$25,693.46
Total buyer cash needed$127,890.24
Remaining funds due$127,890.24
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%)$12,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,738.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,034.50
Prepaid interest, first (1 days)$203.44
Fees + prepaids$25,693.46
Your down payment is the seller’s equity. You take over the $1,147,703 balance, so the rest of the $1,249,900 price is paid at closing. A second mortgage can cover part of it. $127,890.24 is due at closing. Uses and sources reconcile at $1,275,593.46 each. Not a Closing Disclosure.