Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,751Cash toward the purchase price.
Closing costs + prepaids$25,330Not just lender fees.
Before credits & paid funds$74,081The complete starting cash picture.
Estimated remaining funds due at closing
$74,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,751.20
Your down payment$48,751.20
Closing costs + prepaids$25,330.16
Total buyer cash needed$74,081.35
Remaining funds due$74,081.35
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,131.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,187.50
Prepaid interest, first (26 days)$4,043.41
Fees + prepaids$25,330.16
Your down payment is the seller’s equity. You take over the $826,249 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $74,081.35 is due at closing. Uses and sources reconcile at $900,330.16 each. Not a Closing Disclosure.