Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$74,376Cash toward the purchase price.
Closing costs + prepaids$25,595Not just lender fees.
Before credits & paid funds$99,971The complete starting cash picture.
Estimated remaining funds due at closing
$99,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,376.39
Your down payment$74,376.39
Closing costs + prepaids$25,594.92
Total buyer cash needed$99,971.31
Remaining funds due$99,971.31
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%)$8,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,128.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,790.25
Prepaid interest, first (22 days)$3,458.57
Fees + prepaids$25,594.92
Your down payment is the seller’s equity. You take over the $825,623 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $99,971.31 is due at closing. Uses and sources reconcile at $925,593.92 each. Not a Closing Disclosure.