Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$50,114Cash toward the purchase price.
Closing costs + prepaids$28,033Not just lender fees.
Before credits & paid funds$78,147The complete starting cash picture.
Estimated remaining funds due at closing
$78,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,113.60
Your down payment$50,113.60
Closing costs + prepaids$28,033.04
Total buyer cash needed$78,146.65
Remaining funds due$78,146.65
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%)$9,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,674.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,462.50
Prepaid interest, first (29 days)$4,828.11
Fees + prepaids$28,033.04
Your down payment is the seller’s equity. You take over the $934,886 balance, so the rest of the $985,000 price is paid at closing. A second mortgage can cover part of it. $78,146.65 is due at closing. Uses and sources reconcile at $1,013,033.04 each. Not a Closing Disclosure.