Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$92,798Cash toward the purchase price.
Closing costs + prepaids$24,597Not just lender fees.
Before credits & paid funds$117,395The complete starting cash picture.
Estimated remaining funds due at closing
$117,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,798.16
Your down payment$92,798.16
Closing costs + prepaids$24,597.19
Total buyer cash needed$117,395.35
Remaining funds due$117,395.35
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%)$8,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,831.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,147.50
Initial HOA (3 months)$324.99
Prepaid interest, first (27 days)$3,485.69
Fees + prepaids$24,597.19
Your down payment is the seller’s equity. You take over the $766,202 balance, so the rest of the $859,000 price is paid at closing. A second mortgage can cover part of it. $117,395.35 is due at closing. Uses and sources reconcile at $883,597.19 each. Not a Closing Disclosure.