Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$119,281Cash toward the purchase price.
Closing costs + prepaids$24,875Not just lender fees.
Before credits & paid funds$144,156The complete starting cash picture.
Estimated remaining funds due at closing
$144,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,281.45
Your down payment$119,281.45
Closing costs + prepaids$24,874.72
Total buyer cash needed$144,156.17
Remaining funds due$144,156.17
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%)$8,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,798.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,734.25
Initial HOA (3 months)$399.99
Prepaid interest, first (30 days)$3,933.89
Fees + prepaids$24,874.72
Your down payment is the seller’s equity. You take over the $759,719 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $144,156.17 is due at closing. Uses and sources reconcile at $903,874.72 each. Not a Closing Disclosure.