Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$101,639Cash toward the purchase price.
Closing costs + prepaids$22,571Not just lender fees.
Before credits & paid funds$124,210The complete starting cash picture.
Estimated remaining funds due at closing
$124,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,639.35
Your down payment$101,639.35
Closing costs + prepaids$22,570.84
Total buyer cash needed$124,210.19
Remaining funds due$124,210.19
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,986.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Prepaid interest, first (18 days)$1,128.54
Fees + prepaids$22,570.84
Your down payment is the seller’s equity. You take over the $797,361 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $124,210.19 is due at closing. Uses and sources reconcile at $921,570.84 each. Not a Closing Disclosure.