Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$78,919Cash toward the purchase price.
Closing costs + prepaids$25,894Not just lender fees.
Before credits & paid funds$104,813The complete starting cash picture.
Estimated remaining funds due at closing
$104,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,919.05
Your down payment$78,919.05
Closing costs + prepaids$25,894.16
Total buyer cash needed$104,813.20
Remaining funds due$104,813.20
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%)$9,949.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,580.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,087.25
Initial HOA (3 months)$600.00
Prepaid interest, first (20 days)$3,458.52
Fees + prepaids$25,894.16
Your down payment is the seller’s equity. You take over the $916,080 balance, so the rest of the $994,999 price is paid at closing. A second mortgage can cover part of it. $104,813.20 is due at closing. Uses and sources reconcile at $1,020,893.16 each. Not a Closing Disclosure.