Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$101,549Cash toward the purchase price.
Closing costs + prepaids$22,727Not just lender fees.
Before credits & paid funds$124,276The complete starting cash picture.
Estimated remaining funds due at closing
$124,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,548.86
Your down payment$101,548.86
Closing costs + prepaids$22,726.65
Total buyer cash needed$124,275.51
Remaining funds due$124,275.51
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,867.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,050.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (12 days)$1,566.40
Fees + prepaids$22,726.65
Your down payment is the seller’s equity. You take over the $773,451 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $124,275.51 is due at closing. Uses and sources reconcile at $897,726.65 each. Not a Closing Disclosure.