Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$72,238Cash toward the purchase price.
Closing costs + prepaids$23,154Not just lender fees.
Before credits & paid funds$95,393The complete starting cash picture.
Estimated remaining funds due at closing
$95,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,238.22
Your down payment$72,238.22
Closing costs + prepaids$23,154.40
Total buyer cash needed$95,392.63
Remaining funds due$95,392.63
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,883.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Prepaid interest, first (18 days)$2,440.10
Fees + prepaids$23,154.40
Your down payment is the seller’s equity. You take over the $776,762 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $95,392.63 is due at closing. Uses and sources reconcile at $872,154.40 each. Not a Closing Disclosure.