Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$85,192Cash toward the purchase price.
Closing costs + prepaids$24,233Not just lender fees.
Before credits & paid funds$109,425The complete starting cash picture.
Estimated remaining funds due at closing
$109,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,191.94
Your down payment$85,191.94
Closing costs + prepaids$24,233.25
Total buyer cash needed$109,425.19
Remaining funds due$109,425.19
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%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,769.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,097.50
Prepaid interest, first (28 days)$3,758.71
Fees + prepaids$24,233.25
Your down payment is the seller’s equity. You take over the $753,808 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $109,425.19 is due at closing. Uses and sources reconcile at $863,233.25 each. Not a Closing Disclosure.