Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$62,350Cash toward the purchase price.
Closing costs + prepaids$25,541Not just lender fees.
Before credits & paid funds$87,891The complete starting cash picture.
Estimated remaining funds due at closing
$87,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,350.41
Your down payment$62,350.41
Closing costs + prepaids$25,540.97
Total buyer cash needed$87,891.39
Remaining funds due$87,891.39
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%)$4,183.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Prepaid interest, first (28 days)$3,902.23
Fees + prepaids$25,540.97
Your down payment is the seller’s equity. You take over the $836,650 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $87,891.39 is due at closing. Uses and sources reconcile at $924,540.97 each. Not a Closing Disclosure.