Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$88,243Cash toward the purchase price.
Closing costs + prepaids$21,468Not just lender fees.
Before credits & paid funds$109,711The complete starting cash picture.
Estimated remaining funds due at closing
$109,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,243.05
Your down payment$88,243.05
Closing costs + prepaids$21,467.63
Total buyer cash needed$109,710.68
Remaining funds due$109,710.68
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%)$8,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,028.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,072.75
Initial HOA (3 months)$219.99
Prepaid interest, first (6 days)$988.10
Fees + prepaids$21,467.63
Your down payment is the seller’s equity. You take over the $805,757 balance, so the rest of the $894,000 price is paid at closing. A second mortgage can cover part of it. $109,710.68 is due at closing. Uses and sources reconcile at $915,467.63 each. Not a Closing Disclosure.