Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$74,376Cash toward the purchase price.
Closing costs + prepaids$26,853Not just lender fees.
Before credits & paid funds$101,229The complete starting cash picture.
Estimated remaining funds due at closing
$101,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,376.39
Your down payment$74,376.39
Closing costs + prepaids$26,852.58
Total buyer cash needed$101,228.97
Remaining funds due$101,228.97
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%)$8,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,128.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,790.25
Prepaid interest, first (30 days)$4,716.23
Fees + prepaids$26,852.58
Your down payment is the seller’s equity. You take over the $825,623 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $101,228.97 is due at closing. Uses and sources reconcile at $926,851.58 each. Not a Closing Disclosure.