Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$103,412Cash toward the purchase price.
Closing costs + prepaids$27,982Not just lender fees.
Before credits & paid funds$131,394The complete starting cash picture.
Estimated remaining funds due at closing
$131,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,412.38
Your down payment$103,412.38
Closing costs + prepaids$27,981.71
Total buyer cash needed$131,394.08
Remaining funds due$131,394.08
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%)$12,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,732.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (10 days)$2,032.27
Fees + prepaids$27,981.71
Your down payment is the seller’s equity. You take over the $1,146,488 balance, so the rest of the $1,249,900 price is paid at closing. A second mortgage can cover part of it. $131,394.08 is due at closing. Uses and sources reconcile at $1,277,881.71 each. Not a Closing Disclosure.