Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$55,985Cash toward the purchase price.
Closing costs + prepaids$21,381Not just lender fees.
Before credits & paid funds$77,366The complete starting cash picture.
Estimated remaining funds due at closing
$77,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,984.53
Your down payment$55,984.53
Closing costs + prepaids$21,381.24
Total buyer cash needed$77,365.76
Remaining funds due$77,365.76
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,969.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,043.75
Prepaid interest, first (22 days)$1,650.91
Fees + prepaids$21,381.24
Your down payment is the seller’s equity. You take over the $793,915 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $77,365.76 is due at closing. Uses and sources reconcile at $871,281.24 each. Not a Closing Disclosure.