Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$89,643Cash toward the purchase price.
Closing costs + prepaids$22,632Not just lender fees.
Before credits & paid funds$112,275The complete starting cash picture.
Estimated remaining funds due at closing
$112,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,643.49
Your down payment$89,643.49
Closing costs + prepaids$22,631.88
Total buyer cash needed$112,275.37
Remaining funds due$112,275.37
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%)$3,846.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,147.50
Prepaid interest, first (28 days)$1,829.59
Fees + prepaids$22,631.88
Your down payment is the seller’s equity. You take over the $769,357 balance, so the rest of the $859,000 price is paid at closing. A second mortgage can cover part of it. $112,275.37 is due at closing. Uses and sources reconcile at $881,631.88 each. Not a Closing Disclosure.