Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,711Cash toward the purchase price.
Closing costs + prepaids$21,629Not just lender fees.
Before credits & paid funds$115,339The complete starting cash picture.
Estimated remaining funds due at closing
$115,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,710.64
Your down payment$93,710.64
Closing costs + prepaids$21,628.53
Total buyer cash needed$115,339.17
Remaining funds due$115,339.17
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%)$7,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,476.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,972.50
Prepaid interest, first (30 days)$2,071.58
Fees + prepaids$21,628.53
Your down payment is the seller’s equity. You take over the $695,289 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $115,339.17 is due at closing. Uses and sources reconcile at $810,628.53 each. Not a Closing Disclosure.