Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$50,333Cash toward the purchase price.
Closing costs + prepaids$25,574Not just lender fees.
Before credits & paid funds$75,907The complete starting cash picture.
Estimated remaining funds due at closing
$75,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,333.11
Your down payment$50,333.11
Closing costs + prepaids$25,574.15
Total buyer cash needed$75,907.26
Remaining funds due$75,907.26
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,493.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,372.50
Prepaid interest, first (18 days)$3,000.32
Fees + prepaids$25,574.15
Your down payment is the seller’s equity. You take over the $898,667 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $75,907.26 is due at closing. Uses and sources reconcile at $974,574.15 each. Not a Closing Disclosure.