Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$27,465Cash toward the purchase price.
Closing costs + prepaids$26,770Not just lender fees.
Before credits & paid funds$54,235The complete starting cash picture.
Estimated remaining funds due at closing
$54,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,465.26
Your down payment$27,465.26
Closing costs + prepaids$26,769.51
Total buyer cash needed$54,234.77
Remaining funds due$54,234.77
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,357.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$941.00
Initial HOA (3 months)$333.00
Prepaid interest, first (20 days)$2,929.84
Fees + prepaids$26,769.51
Your down payment is the seller’s equity. You take over the $1,071,535 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $54,234.77 is due at closing. Uses and sources reconcile at $1,125,769.51 each. Not a Closing Disclosure.