Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$71,293Cash toward the purchase price.
Closing costs + prepaids$22,124Not just lender fees.
Before credits & paid funds$93,416The complete starting cash picture.
Estimated remaining funds due at closing
$93,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,292.65
Your down payment$71,292.65
Closing costs + prepaids$22,123.75
Total buyer cash needed$93,416.41
Remaining funds due$93,416.41
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,218.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,711.00
Initial HOA (3 months)$510.00
Prepaid interest, first (2 days)$316.22
Fees + prepaids$22,123.75
Your down payment is the seller’s equity. You take over the $843,707 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $93,416.41 is due at closing. Uses and sources reconcile at $937,123.75 each. Not a Closing Disclosure.