Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$4,886Cash toward the purchase price.
Closing costs + prepaids$24,444Not just lender fees.
Before credits & paid funds$29,329The complete starting cash picture.
Estimated remaining funds due at closing
$29,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,885.62
Your down payment$4,885.62
Closing costs + prepaids$24,443.73
Total buyer cash needed$29,329.35
Remaining funds due$29,329.35
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%)$8,655.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,303.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,163.75
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$2,953.91
Fees + prepaids$24,443.73
Your down payment is the seller’s equity. You take over the $860,614 balance, so the rest of the $865,500 price is paid at closing. A second mortgage can cover part of it. $29,329.35 is due at closing. Uses and sources reconcile at $889,943.73 each. Not a Closing Disclosure.