Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$53,128Cash toward the purchase price.
Closing costs + prepaids$25,281Not just lender fees.
Before credits & paid funds$78,410The complete starting cash picture.
Estimated remaining funds due at closing
$78,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,128.30
Your down payment$53,128.30
Closing costs + prepaids$25,281.23
Total buyer cash needed$78,409.53
Remaining funds due$78,409.53
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%)$9,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,529.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,397.50
Prepaid interest, first (18 days)$2,546.37
Fees + prepaids$25,281.23
Your down payment is the seller’s equity. You take over the $905,872 balance, so the rest of the $959,000 price is paid at closing. A second mortgage can cover part of it. $78,409.53 is due at closing. Uses and sources reconcile at $984,281.23 each. Not a Closing Disclosure.