Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$80,108Cash toward the purchase price.
Closing costs + prepaids$24,166Not just lender fees.
Before credits & paid funds$104,273The complete starting cash picture.
Estimated remaining funds due at closing
$104,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,107.75
Your down payment$80,107.75
Closing costs + prepaids$24,165.72
Total buyer cash needed$104,273.47
Remaining funds due$104,273.47
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%)$9,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,574.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,194.00
Initial HOA (3 months)$600.00
Prepaid interest, first (10 days)$1,629.26
Fees + prepaids$24,165.72
Your down payment is the seller’s equity. You take over the $914,892 balance, so the rest of the $995,000 price is paid at closing. A second mortgage can cover part of it. $104,273.47 is due at closing. Uses and sources reconcile at $1,019,165.72 each. Not a Closing Disclosure.