Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$105,782Cash toward the purchase price.
Closing costs + prepaids$25,606Not just lender fees.
Before credits & paid funds$131,388The complete starting cash picture.
Estimated remaining funds due at closing
$131,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,781.68
Your down payment$105,781.68
Closing costs + prepaids$25,606.15
Total buyer cash needed$131,387.83
Remaining funds due$131,387.83
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,971.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,320.00
Initial HOA (3 months)$116.25
Prepaid interest, first (12 days)$1,980.81
Fees + prepaids$25,606.15
Your down payment is the seller’s equity. You take over the $994,218 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $131,387.83 is due at closing. Uses and sources reconcile at $1,125,606.15 each. Not a Closing Disclosure.