Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,046Cash toward the purchase price.
Closing costs + prepaids$22,565Not just lender fees.
Before credits & paid funds$60,611The complete starting cash picture.
Estimated remaining funds due at closing
$60,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,045.78
Your down payment$38,045.78
Closing costs + prepaids$22,564.86
Total buyer cash needed$60,610.64
Remaining funds due$60,610.64
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%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,154.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,225.50
Prepaid interest, first (25 days)$2,276.59
Fees + prepaids$22,564.86
Your down payment is the seller’s equity. You take over the $830,954 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $60,610.64 is due at closing. Uses and sources reconcile at $891,564.86 each. Not a Closing Disclosure.