Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$7,092Cash toward the purchase price.
Closing costs + prepaids$29,047Not just lender fees.
Before credits & paid funds$36,139The complete starting cash picture.
Estimated remaining funds due at closing
$36,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,091.81
Your down payment$7,091.81
Closing costs + prepaids$29,047.34
Total buyer cash needed$36,139.16
Remaining funds due$36,139.16
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,459.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,456.00
Initial HOA (3 months)$1,605.99
Prepaid interest, first (31 days)$4,317.81
Fees + prepaids$29,047.34
Your down payment is the seller’s equity. You take over the $891,908 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $36,139.16 is due at closing. Uses and sources reconcile at $928,047.34 each. Not a Closing Disclosure.