Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,798Cash toward the purchase price.
Closing costs + prepaids$23,963Not just lender fees.
Before credits & paid funds$116,761The complete starting cash picture.
Estimated remaining funds due at closing
$116,761No 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$23,962.79
Total buyer cash needed$116,760.95
Remaining funds due$116,760.95
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)$1,384.00
Initial HOA (3 months)$324.99
Prepaid interest, first (28 days)$3,614.79
Fees + prepaids$23,962.79
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. $116,760.95 is due at closing. Uses and sources reconcile at $882,962.79 each. Not a Closing Disclosure.