Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$72,277Cash toward the purchase price.
Closing costs + prepaids$21,113Not just lender fees.
Before credits & paid funds$93,390The complete starting cash picture.
Estimated remaining funds due at closing
$93,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,276.74
Your down payment$72,276.74
Closing costs + prepaids$21,113.25
Total buyer cash needed$93,389.99
Remaining funds due$93,389.99
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%)$8,437.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,857.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,012.50
Initial HOA (3 months)$143.01
Prepaid interest, first (12 days)$1,445.63
Fees + prepaids$21,113.25
Your down payment is the seller’s equity. You take over the $771,423 balance, so the rest of the $843,700 price is paid at closing. A second mortgage can cover part of it. $93,389.99 is due at closing. Uses and sources reconcile at $864,813.25 each. Not a Closing Disclosure.