Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$35,457Cash toward the purchase price.
Closing costs + prepaids$25,198Not just lender fees.
Before credits & paid funds$60,655The complete starting cash picture.
Estimated remaining funds due at closing
$60,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,456.70
Your down payment$35,456.70
Closing costs + prepaids$25,198.18
Total buyer cash needed$60,654.88
Remaining funds due$60,654.88
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,067.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Prepaid interest, first (28 days)$4,299.97
Fees + prepaids$25,198.18
Your down payment is the seller’s equity. You take over the $813,543 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $60,654.88 is due at closing. Uses and sources reconcile at $874,198.18 each. Not a Closing Disclosure.