Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,470Cash toward the purchase price.
Closing costs + prepaids$22,605Not just lender fees.
Before credits & paid funds$108,074The complete starting cash picture.
Estimated remaining funds due at closing
$108,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,469.57
Your down payment$85,469.57
Closing costs + prepaids$22,604.82
Total buyer cash needed$108,074.40
Remaining funds due$108,074.40
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%)$10,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,947.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$336.75
Prepaid interest, first (2 days)$352.44
Fees + prepaids$22,604.82
Your down payment is the seller’s equity. You take over the $989,529 balance, so the rest of the $1,074,999 price is paid at closing. A second mortgage can cover part of it. $108,074.40 is due at closing. Uses and sources reconcile at $1,097,603.82 each. Not a Closing Disclosure.