Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,815Cash toward the purchase price.
Closing costs + prepaids$22,717Not just lender fees.
Before credits & paid funds$108,533The complete starting cash picture.
Estimated remaining funds due at closing
$108,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,815.31
Your down payment$85,815.31
Closing costs + prepaids$22,717.46
Total buyer cash needed$108,532.77
Remaining funds due$108,532.77
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%)$3,695.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.25
Initial HOA (3 months)$80.01
Prepaid interest, first (25 days)$3,483.28
Fees + prepaids$22,717.46
Your down payment is the seller’s equity. You take over the $739,185 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $108,532.77 is due at closing. Uses and sources reconcile at $847,717.46 each. Not a Closing Disclosure.