Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$73,263Cash toward the purchase price.
Closing costs + prepaids$23,504Not just lender fees.
Before credits & paid funds$96,767The complete starting cash picture.
Estimated remaining funds due at closing
$96,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,263.00
Your down payment$73,263.00
Closing costs + prepaids$23,504.27
Total buyer cash needed$96,767.27
Remaining funds due$96,767.27
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%)$8,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,933.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,045.25
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$3,333.83
Fees + prepaids$23,504.27
Your down payment is the seller’s equity. You take over the $786,637 balance, so the rest of the $859,900 price is paid at closing. A second mortgage can cover part of it. $96,767.27 is due at closing. Uses and sources reconcile at $883,404.27 each. Not a Closing Disclosure.