Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$830,921Cash toward the purchase price.
Closing costs + prepaids$17,174Not just lender fees.
Before credits & paid funds$848,094The complete starting cash picture.
Estimated remaining funds due at closing
$848,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$830,920.61
Your down payment$830,920.61
Closing costs + prepaids$17,173.72
Total buyer cash needed$848,094.33
Remaining funds due$848,094.33
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%)$340.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,106.25
Initial HOA (3 months)$444.00
Prepaid interest, first (23 days)$75.07
Fees + prepaids$17,173.72
Your down payment is the seller’s equity. You take over the $68,079 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $848,094.33 is due at closing. Uses and sources reconcile at $916,173.72 each. Not a Closing Disclosure.