Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$2,610Cash toward the purchase price.
Closing costs + prepaids$26,144Not just lender fees.
Before credits & paid funds$28,753The complete starting cash picture.
Estimated remaining funds due at closing
$28,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,609.64
Your down payment$2,609.64
Closing costs + prepaids$26,143.80
Total buyer cash needed$28,753.44
Remaining funds due$28,753.44
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%)$8,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,336.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,175.00
Prepaid interest, first (29 days)$4,713.85
Fees + prepaids$26,143.80
Your down payment is the seller’s equity. You take over the $867,390 balance, so the rest of the $870,000 price is paid at closing. A second mortgage can cover part of it. $28,753.44 is due at closing. Uses and sources reconcile at $896,143.80 each. Not a Closing Disclosure.