Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$77,215Cash toward the purchase price.
Closing costs + prepaids$22,847Not just lender fees.
Before credits & paid funds$100,062The complete starting cash picture.
Estimated remaining funds due at closing
$100,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,215.30
Your down payment$77,215.30
Closing costs + prepaids$22,847.13
Total buyer cash needed$100,062.43
Remaining funds due$100,062.43
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,738.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,062.50
Prepaid interest, first (18 days)$2,577.71
Fees + prepaids$22,847.13
Your down payment is the seller’s equity. You take over the $747,785 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $100,062.43 is due at closing. Uses and sources reconcile at $847,847.13 each. Not a Closing Disclosure.