Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$9,203Cash toward the purchase price.
Closing costs + prepaids$22,119Not just lender fees.
Before credits & paid funds$31,322The complete starting cash picture.
Estimated remaining funds due at closing
$31,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,202.80
Your down payment$9,202.80
Closing costs + prepaids$22,118.83
Total buyer cash needed$31,321.63
Remaining funds due$31,321.63
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,328.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,050.00
Initial HOA (3 months)$230.01
Prepaid interest, first (10 days)$1,541.83
Fees + prepaids$22,118.83
Your down payment is the seller’s equity. You take over the $865,797 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $31,321.63 is due at closing. Uses and sources reconcile at $897,118.83 each. Not a Closing Disclosure.