Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$66,204Cash toward the purchase price.
Closing costs + prepaids$21,842Not just lender fees.
Before credits & paid funds$88,045The complete starting cash picture.
Estimated remaining funds due at closing
$88,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,203.70
Your down payment$66,203.70
Closing costs + prepaids$21,841.74
Total buyer cash needed$88,045.44
Remaining funds due$88,045.44
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%)$8,305.30
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,821.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,038.25
Initial HOA (3 months)$255.00
Prepaid interest, first (17 days)$2,203.56
Fees + prepaids$21,841.74
Your down payment is the seller’s equity. You take over the $764,326 balance, so the rest of the $830,530 price is paid at closing. A second mortgage can cover part of it. $88,045.44 is due at closing. Uses and sources reconcile at $852,371.74 each. Not a Closing Disclosure.