Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$53,844Cash toward the purchase price.
Closing costs + prepaids$21,729Not just lender fees.
Before credits & paid funds$75,573The complete starting cash picture.
Estimated remaining funds due at closing
$75,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,843.79
Your down payment$53,843.79
Closing costs + prepaids$21,729.32
Total buyer cash needed$75,573.11
Remaining funds due$75,573.11
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%)$8,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,930.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,050.00
Prepaid interest, first (15 days)$2,132.04
Fees + prepaids$21,729.32
Your down payment is the seller’s equity. You take over the $786,056 balance, so the rest of the $839,900 price is paid at closing. A second mortgage can cover part of it. $75,573.11 is due at closing. Uses and sources reconcile at $861,629.32 each. Not a Closing Disclosure.