Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$831,304Cash toward the purchase price.
Closing costs + prepaids$16,453Not just lender fees.
Before credits & paid funds$847,757The complete starting cash picture.
Estimated remaining funds due at closing
$847,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$831,304.08
Your down payment$831,304.08
Closing costs + prepaids$16,453.04
Total buyer cash needed$847,757.12
Remaining funds due$847,757.12
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%)$8,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$238.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,098.75
Prepaid interest, first (15 days)$107.81
Fees + prepaids$16,453.04
Your down payment is the seller’s equity. You take over the $47,696 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $847,757.12 is due at closing. Uses and sources reconcile at $895,453.04 each. Not a Closing Disclosure.