Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$62,393Cash toward the purchase price.
Closing costs + prepaids$23,592Not just lender fees.
Before credits & paid funds$85,984The complete starting cash picture.
Estimated remaining funds due at closing
$85,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,392.52
Your down payment$62,392.52
Closing costs + prepaids$23,591.77
Total buyer cash needed$85,984.29
Remaining funds due$85,984.29
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,937.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$734.25
Initial HOA (3 months)$380.01
Prepaid interest, first (29 days)$3,822.97
Fees + prepaids$23,591.77
Your down payment is the seller’s equity. You take over the $787,507 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $85,984.29 is due at closing. Uses and sources reconcile at $873,491.77 each. Not a Closing Disclosure.