Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$57,124Cash toward the purchase price.
Closing costs + prepaids$23,861Not just lender fees.
Before credits & paid funds$80,986The complete starting cash picture.
Estimated remaining funds due at closing
$80,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,124.37
Your down payment$57,124.37
Closing costs + prepaids$23,861.19
Total buyer cash needed$80,985.57
Remaining funds due$80,985.57
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%)$8,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,013.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$889.75
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$3,990.56
Fees + prepaids$23,861.19
Your down payment is the seller’s equity. You take over the $802,776 balance, so the rest of the $859,900 price is paid at closing. A second mortgage can cover part of it. $80,985.57 is due at closing. Uses and sources reconcile at $883,761.19 each. Not a Closing Disclosure.