Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$124,941Cash toward the purchase price.
Closing costs + prepaids$24,489Not just lender fees.
Before credits & paid funds$149,430The complete starting cash picture.
Estimated remaining funds due at closing
$149,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,940.68
Your down payment$124,940.68
Closing costs + prepaids$24,489.09
Total buyer cash needed$149,429.77
Remaining funds due$149,429.77
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%)$4,670.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,270.75
Initial HOA (3 months)$471.00
Prepaid interest, first (9 days)$1,269.04
Fees + prepaids$24,489.09
Your down payment is the seller’s equity. You take over the $934,059 balance, so the rest of the $1,059,000 price is paid at closing. A second mortgage can cover part of it. $149,429.77 is due at closing. Uses and sources reconcile at $1,083,489.09 each. Not a Closing Disclosure.