Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,217Cash toward the purchase price.
Closing costs + prepaids$24,208Not just lender fees.
Before credits & paid funds$81,425The complete starting cash picture.
Estimated remaining funds due at closing
$81,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,217.04
Your down payment$57,217.04
Closing costs + prepaids$24,207.91
Total buyer cash needed$81,424.95
Remaining funds due$81,424.95
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%)$8,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,013.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,428.75
Initial HOA (3 months)$230.25
Prepaid interest, first (26 days)$3,717.00
Fees + prepaids$24,207.91
Your down payment is the seller’s equity. You take over the $802,783 balance, so the rest of the $860,000 price is paid at closing. A second mortgage can cover part of it. $81,424.95 is due at closing. Uses and sources reconcile at $884,207.91 each. Not a Closing Disclosure.