Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$78,209Cash toward the purchase price.
Closing costs + prepaids$26,475Not just lender fees.
Before credits & paid funds$104,684The complete starting cash picture.
Estimated remaining funds due at closing
$104,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,209.31
Your down payment$78,209.31
Closing costs + prepaids$26,475.07
Total buyer cash needed$104,684.38
Remaining funds due$104,684.38
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,233.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,312.50
Prepaid interest, first (29 days)$4,460.61
Fees + prepaids$26,475.07
Your down payment is the seller’s equity. You take over the $846,791 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $104,684.38 is due at closing. Uses and sources reconcile at $951,475.07 each. Not a Closing Disclosure.