Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$95,384Cash toward the purchase price.
Closing costs + prepaids$24,109Not just lender fees.
Before credits & paid funds$119,493The complete starting cash picture.
Estimated remaining funds due at closing
$119,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,383.75
Your down payment$95,383.75
Closing costs + prepaids$24,108.79
Total buyer cash needed$119,492.55
Remaining funds due$119,492.55
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,018.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$928.75
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$3,863.96
Fees + prepaids$24,108.79
Your down payment is the seller’s equity. You take over the $803,616 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $119,492.55 is due at closing. Uses and sources reconcile at $923,108.79 each. Not a Closing Disclosure.