Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$47,719Cash toward the purchase price.
Closing costs + prepaids$23,679Not just lender fees.
Before credits & paid funds$71,398The complete starting cash picture.
Estimated remaining funds due at closing
$71,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,718.94
Your down payment$47,718.94
Closing costs + prepaids$23,678.59
Total buyer cash needed$71,397.53
Remaining funds due$71,397.53
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,136.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,189.50
Initial HOA (3 months)$68.76
Prepaid interest, first (22 days)$3,315.92
Fees + prepaids$23,678.59
Your down payment is the seller’s equity. You take over the $827,281 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $71,397.53 is due at closing. Uses and sources reconcile at $898,678.59 each. Not a Closing Disclosure.