Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$100,584Cash toward the purchase price.
Closing costs + prepaids$23,362Not just lender fees.
Before credits & paid funds$123,946The complete starting cash picture.
Estimated remaining funds due at closing
$123,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,584.20
Your down payment$100,584.20
Closing costs + prepaids$23,361.97
Total buyer cash needed$123,946.17
Remaining funds due$123,946.17
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,872.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,985.50
Initial HOA (3 months)$1,275.00
Prepaid interest, first (2 days)$261.39
Fees + prepaids$23,361.97
Your down payment is the seller’s equity. You take over the $774,416 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $123,946.17 is due at closing. Uses and sources reconcile at $898,361.97 each. Not a Closing Disclosure.