Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$26,795Cash toward the purchase price.
Closing costs + prepaids$8,247Not just lender fees.
Before credits & paid funds$35,043The complete starting cash picture.
Estimated remaining funds due at closing
$35,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,795.36
Your down payment$26,795.36
Closing costs + prepaids$8,247.30
Total buyer cash needed$35,042.66
Remaining funds due$35,042.66
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%)$850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$291.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.75
Initial HOA (3 months)$1,398.00
Prepaid interest, first (30 days)$165.52
Fees + prepaids$8,247.30
Your down payment is the seller’s equity. You take over the $58,205 balance, so the rest of the $85,000 price is paid at closing. A second mortgage can cover part of it. $35,042.66 is due at closing. Uses and sources reconcile at $93,247.30 each. Not a Closing Disclosure.