Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$88,243Cash toward the purchase price.
Closing costs + prepaids$22,456Not just lender fees.
Before credits & paid funds$110,699The complete starting cash picture.
Estimated remaining funds due at closing
$110,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,243.05
Your down payment$88,243.05
Closing costs + prepaids$22,455.73
Total buyer cash needed$110,698.78
Remaining funds due$110,698.78
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%)$8,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,028.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,072.75
Initial HOA (3 months)$219.99
Prepaid interest, first (12 days)$1,976.20
Fees + prepaids$22,455.73
Your down payment is the seller’s equity. You take over the $805,757 balance, so the rest of the $894,000 price is paid at closing. A second mortgage can cover part of it. $110,698.78 is due at closing. Uses and sources reconcile at $916,455.73 each. Not a Closing Disclosure.