Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$88,990Cash toward the purchase price.
Closing costs + prepaids$22,994Not just lender fees.
Before credits & paid funds$111,984The complete starting cash picture.
Estimated remaining funds due at closing
$111,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,990.28
Your down payment$88,990.28
Closing costs + prepaids$22,993.80
Total buyer cash needed$111,984.08
Remaining funds due$111,984.08
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,180.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,110.00
Initial HOA (3 months)$375.00
Prepaid interest, first (12 days)$1,860.75
Fees + prepaids$22,993.80
Your down payment is the seller’s equity. You take over the $836,010 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $111,984.08 is due at closing. Uses and sources reconcile at $947,993.80 each. Not a Closing Disclosure.