Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,623Cash toward the purchase price.
Closing costs + prepaids$21,865Not just lender fees.
Before credits & paid funds$104,489The complete starting cash picture.
Estimated remaining funds due at closing
$104,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,623.43
Your down payment$82,623.43
Closing costs + prepaids$21,865.42
Total buyer cash needed$104,488.85
Remaining funds due$104,488.85
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%)$8,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,811.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$894.50
Prepaid interest, first (31 days)$2,492.54
Fees + prepaids$21,865.42
Your down payment is the seller’s equity. You take over the $762,277 balance, so the rest of the $844,900 price is paid at closing. A second mortgage can cover part of it. $104,488.85 is due at closing. Uses and sources reconcile at $866,765.42 each. Not a Closing Disclosure.