Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$77,215Cash toward the purchase price.
Closing costs + prepaids$24,422Not just lender fees.
Before credits & paid funds$101,638The complete starting cash picture.
Estimated remaining funds due at closing
$101,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,215.30
Your down payment$77,215.30
Closing costs + prepaids$24,422.39
Total buyer cash needed$101,637.70
Remaining funds due$101,637.70
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%)$3,738.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,062.50
Prepaid interest, first (29 days)$4,152.97
Fees + prepaids$24,422.39
Your down payment is the seller’s equity. You take over the $747,785 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $101,637.70 is due at closing. Uses and sources reconcile at $849,422.39 each. Not a Closing Disclosure.