Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$89,190Cash toward the purchase price.
Closing costs + prepaids$23,398Not just lender fees.
Before credits & paid funds$112,588The complete starting cash picture.
Estimated remaining funds due at closing
$112,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,190.10
Your down payment$89,190.10
Closing costs + prepaids$23,397.58
Total buyer cash needed$112,587.68
Remaining funds due$112,587.68
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,054.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.75
Initial HOA (3 months)$330.00
Prepaid interest, first (23 days)$2,983.78
Fees + prepaids$23,397.58
Your down payment is the seller’s equity. You take over the $810,810 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $112,587.68 is due at closing. Uses and sources reconcile at $923,397.58 each. Not a Closing Disclosure.