Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$83,879Cash toward the purchase price.
Closing costs + prepaids$22,068Not just lender fees.
Before credits & paid funds$105,946The complete starting cash picture.
Estimated remaining funds due at closing
$105,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,878.66
Your down payment$83,878.66
Closing costs + prepaids$22,067.58
Total buyer cash needed$105,946.24
Remaining funds due$105,946.24
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%)$8,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,005.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,062.00
Initial HOA (3 months)$219.99
Prepaid interest, first (12 days)$1,711.99
Fees + prepaids$22,067.58
Your down payment is the seller’s equity. You take over the $801,121 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $105,946.24 is due at closing. Uses and sources reconcile at $907,067.58 each. Not a Closing Disclosure.