Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$49,605Cash toward the purchase price.
Closing costs + prepaids$21,786Not just lender fees.
Before credits & paid funds$71,391The complete starting cash picture.
Estimated remaining funds due at closing
$71,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,605.41
Your down payment$49,605.41
Closing costs + prepaids$21,785.65
Total buyer cash needed$71,391.06
Remaining funds due$71,391.06
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,001.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,062.50
Prepaid interest, first (15 days)$2,003.18
Fees + prepaids$21,785.65
Your down payment is the seller’s equity. You take over the $800,395 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $71,391.06 is due at closing. Uses and sources reconcile at $871,785.65 each. Not a Closing Disclosure.