Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$73,263Cash toward the purchase price.
Closing costs + prepaids$22,644Not just lender fees.
Before credits & paid funds$95,907The complete starting cash picture.
Estimated remaining funds due at closing
$95,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,263.00
Your down payment$73,263.00
Closing costs + prepaids$22,643.92
Total buyer cash needed$95,906.93
Remaining funds due$95,906.93
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%)$8,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,933.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,045.25
Initial HOA (3 months)$375.00
Prepaid interest, first (23 days)$2,473.49
Fees + prepaids$22,643.92
Your down payment is the seller’s equity. You take over the $786,637 balance, so the rest of the $859,900 price is paid at closing. A second mortgage can cover part of it. $95,906.93 is due at closing. Uses and sources reconcile at $882,543.92 each. Not a Closing Disclosure.