Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$3,103Cash toward the purchase price.
Closing costs + prepaids$25,273Not just lender fees.
Before credits & paid funds$28,376The complete starting cash picture.
Estimated remaining funds due at closing
$28,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,102.84
Your down payment$3,102.84
Closing costs + prepaids$25,273.25
Total buyer cash needed$28,376.10
Remaining funds due$28,376.10
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%)$8,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,459.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,237.50
Prepaid interest, first (22 days)$3,408.27
Fees + prepaids$25,273.25
Your down payment is the seller’s equity. You take over the $891,897 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $28,376.10 is due at closing. Uses and sources reconcile at $920,273.25 each. Not a Closing Disclosure.