Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$87,781Cash toward the purchase price.
Closing costs + prepaids$22,740Not just lender fees.
Before credits & paid funds$110,520The complete starting cash picture.
Estimated remaining funds due at closing
$110,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,780.65
Your down payment$87,780.65
Closing costs + prepaids$22,739.55
Total buyer cash needed$110,520.21
Remaining funds due$110,520.21
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%)$8,263.57
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,692.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,464.50
Initial HOA (3 months)$207.00
Prepaid interest, first (22 days)$2,893.60
Fees + prepaids$22,739.55
Your down payment is the seller’s equity. You take over the $738,576 balance, so the rest of the $826,357 price is paid at closing. A second mortgage can cover part of it. $110,520.21 is due at closing. Uses and sources reconcile at $849,096.55 each. Not a Closing Disclosure.