Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$123,580Cash toward the purchase price.
Closing costs + prepaids$22,954Not just lender fees.
Before credits & paid funds$146,534The complete starting cash picture.
Estimated remaining funds due at closing
$146,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,580.07
Your down payment$123,580.07
Closing costs + prepaids$22,954.31
Total buyer cash needed$146,534.38
Remaining funds due$146,534.38
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%)$10,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,677.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$857.00
Initial HOA (3 months)$471.00
Prepaid interest, first (1 days)$141.21
Fees + prepaids$22,954.31
Your down payment is the seller’s equity. You take over the $935,420 balance, so the rest of the $1,059,000 price is paid at closing. A second mortgage can cover part of it. $146,534.38 is due at closing. Uses and sources reconcile at $1,081,954.31 each. Not a Closing Disclosure.