Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$81,704Cash toward the purchase price.
Closing costs + prepaids$26,942Not just lender fees.
Before credits & paid funds$108,646The complete starting cash picture.
Estimated remaining funds due at closing
$108,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,703.53
Your down payment$81,703.53
Closing costs + prepaids$26,942.23
Total buyer cash needed$108,645.76
Remaining funds due$108,645.76
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,090.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,249.75
Initial HOA (3 months)$990.00
Prepaid interest, first (29 days)$4,394.50
Fees + prepaids$26,942.23
Your down payment is the seller’s equity. You take over the $818,196 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $108,645.76 is due at closing. Uses and sources reconcile at $926,842.23 each. Not a Closing Disclosure.