Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$77,061Cash toward the purchase price.
Closing costs + prepaids$22,590Not just lender fees.
Before credits & paid funds$99,651The complete starting cash picture.
Estimated remaining funds due at closing
$99,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,061.27
Your down payment$77,061.27
Closing costs + prepaids$22,589.68
Total buyer cash needed$99,650.95
Remaining funds due$99,650.95
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,109.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,078.75
Initial HOA (3 months)$480.00
Prepaid interest, first (12 days)$1,713.24
Fees + prepaids$22,589.68
Your down payment is the seller’s equity. You take over the $821,939 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $99,650.95 is due at closing. Uses and sources reconcile at $921,589.68 each. Not a Closing Disclosure.