Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,428Cash toward the purchase price.
Closing costs + prepaids$22,248Not just lender fees.
Before credits & paid funds$111,676The complete starting cash picture.
Estimated remaining funds due at closing
$111,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,427.50
Your down payment$89,427.50
Closing costs + prepaids$22,248.26
Total buyer cash needed$111,675.76
Remaining funds due$111,675.76
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,677.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$215.75
Initial HOA (3 months)$34.26
Prepaid interest, first (27 days)$3,852.38
Fees + prepaids$22,248.26
Your down payment is the seller’s equity. You take over the $735,572 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $111,675.76 is due at closing. Uses and sources reconcile at $847,248.26 each. Not a Closing Disclosure.