Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$68,026Cash toward the purchase price.
Closing costs + prepaids$26,714Not just lender fees.
Before credits & paid funds$94,740The complete starting cash picture.
Estimated remaining funds due at closing
$94,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,025.87
Your down payment$68,025.87
Closing costs + prepaids$26,713.96
Total buyer cash needed$94,739.83
Remaining funds due$94,739.83
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%)$10,110.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,714.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,527.50
Prepaid interest, first (18 days)$3,143.59
Fees + prepaids$26,713.96
Your down payment is the seller’s equity. You take over the $942,974 balance, so the rest of the $1,011,000 price is paid at closing. A second mortgage can cover part of it. $94,739.83 is due at closing. Uses and sources reconcile at $1,037,713.96 each. Not a Closing Disclosure.