Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$87,879Cash toward the purchase price.
Closing costs + prepaids$25,422Not just lender fees.
Before credits & paid funds$113,301The complete starting cash picture.
Estimated remaining funds due at closing
$113,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,878.66
Your down payment$87,878.66
Closing costs + prepaids$25,422.40
Total buyer cash needed$113,301.06
Remaining funds due$113,301.06
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%)$8,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,005.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,379.50
Initial HOA (3 months)$219.99
Prepaid interest, first (26 days)$3,709.30
Fees + prepaids$25,422.40
Your down payment is the seller’s equity. You take over the $801,121 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $113,301.06 is due at closing. Uses and sources reconcile at $914,422.40 each. Not a Closing Disclosure.