Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$93,711Cash toward the purchase price.
Closing costs + prepaids$21,145Not just lender fees.
Before credits & paid funds$114,856The complete starting cash picture.
Estimated remaining funds due at closing
$114,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,710.64
Your down payment$93,710.64
Closing costs + prepaids$21,145.16
Total buyer cash needed$114,855.80
Remaining funds due$114,855.80
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%)$7,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,476.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,972.50
Prepaid interest, first (23 days)$1,588.21
Fees + prepaids$21,145.16
Your down payment is the seller’s equity. You take over the $695,289 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $114,855.80 is due at closing. Uses and sources reconcile at $810,145.16 each. Not a Closing Disclosure.