Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$100,634Cash toward the purchase price.
Closing costs + prepaids$24,340Not just lender fees.
Before credits & paid funds$124,973The complete starting cash picture.
Estimated remaining funds due at closing
$124,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,633.62
Your down payment$100,633.62
Closing costs + prepaids$24,339.61
Total buyer cash needed$124,973.23
Remaining funds due$124,973.23
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%)$9,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,496.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,250.00
Prepaid interest, first (15 days)$2,376.28
Fees + prepaids$24,339.61
Your down payment is the seller’s equity. You take over the $899,266 balance, so the rest of the $999,900 price is paid at closing. A second mortgage can cover part of it. $124,973.23 is due at closing. Uses and sources reconcile at $1,024,239.61 each. Not a Closing Disclosure.