Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$71,299Cash toward the purchase price.
Closing costs + prepaids$22,090Not just lender fees.
Before credits & paid funds$93,389The complete starting cash picture.
Estimated remaining funds due at closing
$93,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,298.92
Your down payment$71,298.92
Closing costs + prepaids$22,090.16
Total buyer cash needed$93,389.07
Remaining funds due$93,389.07
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%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,988.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,042.75
Initial HOA (3 months)$420.00
Prepaid interest, first (12 days)$1,730.90
Fees + prepaids$22,090.16
Your down payment is the seller’s equity. You take over the $797,701 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $93,389.07 is due at closing. Uses and sources reconcile at $891,090.16 each. Not a Closing Disclosure.