Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,077Cash toward the purchase price.
Closing costs + prepaids$24,249Not just lender fees.
Before credits & paid funds$106,326The complete starting cash picture.
Estimated remaining funds due at closing
$106,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,077.05
Your down payment$82,077.05
Closing costs + prepaids$24,248.72
Total buyer cash needed$106,325.77
Remaining funds due$106,325.77
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,839.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Prepaid interest, first (25 days)$3,566.11
Fees + prepaids$24,248.72
Your down payment is the seller’s equity. You take over the $767,923 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $106,325.77 is due at closing. Uses and sources reconcile at $874,248.72 each. Not a Closing Disclosure.