Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$87,764Cash toward the purchase price.
Closing costs + prepaids$33,946Not just lender fees.
Before credits & paid funds$121,710The complete starting cash picture.
Estimated remaining funds due at closing
$121,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,763.70
Your down payment$87,763.70
Closing costs + prepaids$33,946.34
Total buyer cash needed$121,710.04
Remaining funds due$121,710.04
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%)$14,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,710.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,574.75
Prepaid interest, first (18 days)$3,143.91
Fees + prepaids$33,946.34
Your down payment is the seller’s equity. You take over the $1,342,136 balance, so the rest of the $1,429,900 price is paid at closing. A second mortgage can cover part of it. $121,710.04 is due at closing. Uses and sources reconcile at $1,463,846.34 each. Not a Closing Disclosure.