Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,426Cash toward the purchase price.
Closing costs + prepaids$22,263Not just lender fees.
Before credits & paid funds$105,689The complete starting cash picture.
Estimated remaining funds due at closing
$105,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,425.90
Your down payment$83,425.90
Closing costs + prepaids$22,263.23
Total buyer cash needed$105,689.13
Remaining funds due$105,689.13
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,657.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,210.25
Initial HOA (3 months)$189.00
Prepaid interest, first (30 days)$2,838.11
Fees + prepaids$22,263.23
Your down payment is the seller’s equity. You take over the $731,574 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $105,689.13 is due at closing. Uses and sources reconcile at $837,263.23 each. Not a Closing Disclosure.