Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$71,299Cash toward the purchase price.
Closing costs + prepaids$21,225Not just lender fees.
Before credits & paid funds$92,524The complete starting cash picture.
Estimated remaining funds due at closing
$92,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,298.92
Your down payment$71,298.92
Closing costs + prepaids$21,224.71
Total buyer cash needed$92,523.62
Remaining funds due$92,523.62
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%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,988.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,042.75
Initial HOA (3 months)$420.00
Prepaid interest, first (6 days)$865.45
Fees + prepaids$21,224.71
Your down payment is the seller’s equity. You take over the $797,701 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $92,523.62 is due at closing. Uses and sources reconcile at $890,224.71 each. Not a Closing Disclosure.