Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$115,230Cash toward the purchase price.
Closing costs + prepaids$22,840Not just lender fees.
Before credits & paid funds$138,070The complete starting cash picture.
Estimated remaining funds due at closing
$138,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,230.22
Your down payment$115,230.22
Closing costs + prepaids$22,840.16
Total buyer cash needed$138,070.38
Remaining funds due$138,070.38
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%)$10,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,673.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,298.75
Prepaid interest, first (1 days)$149.56
Fees + prepaids$22,840.16
Your down payment is the seller’s equity. You take over the $934,770 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $138,070.38 is due at closing. Uses and sources reconcile at $1,072,840.16 each. Not a Closing Disclosure.