Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$143,009Cash toward the purchase price.
Closing costs + prepaids$24,324Not just lender fees.
Before credits & paid funds$167,333The complete starting cash picture.
Estimated remaining funds due at closing
$167,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,008.78
Your down payment$143,008.78
Closing costs + prepaids$24,324.14
Total buyer cash needed$167,332.92
Remaining funds due$167,332.92
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,279.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,248.75
Prepaid interest, first (17 days)$2,587.44
Fees + prepaids$24,324.14
Your down payment is the seller’s equity. You take over the $855,991 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $167,332.92 is due at closing. Uses and sources reconcile at $1,023,324.14 each. Not a Closing Disclosure.