Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$89,901Cash toward the purchase price.
Closing costs + prepaids$19,675Not just lender fees.
Before credits & paid funds$109,576The complete starting cash picture.
Estimated remaining funds due at closing
$109,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,901.44
Your down payment$89,901.44
Closing costs + prepaids$19,674.85
Total buyer cash needed$109,576.29
Remaining funds due$109,576.29
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,675.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.00
Prepaid interest, first (6 days)$541.35
Fees + prepaids$19,674.85
Your down payment is the seller’s equity. You take over the $735,099 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $109,576.29 is due at closing. Uses and sources reconcile at $844,674.85 each. Not a Closing Disclosure.