Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$97,003Cash toward the purchase price.
Closing costs + prepaids$22,149Not just lender fees.
Before credits & paid funds$119,151The complete starting cash picture.
Estimated remaining funds due at closing
$119,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,002.61
Your down payment$97,002.61
Closing costs + prepaids$22,148.59
Total buyer cash needed$119,151.19
Remaining funds due$119,151.19
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%)$8,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,714.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$725.75
Initial HOA (3 months)$183.00
Prepaid interest, first (28 days)$2,906.85
Fees + prepaids$22,148.59
Your down payment is the seller’s equity. You take over the $742,997 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $119,151.19 is due at closing. Uses and sources reconcile at $862,148.59 each. Not a Closing Disclosure.