Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$55,481Cash toward the purchase price.
Closing costs + prepaids$23,307Not just lender fees.
Before credits & paid funds$78,788The complete starting cash picture.
Estimated remaining funds due at closing
$78,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,480.92
Your down payment$55,480.92
Closing costs + prepaids$23,306.61
Total buyer cash needed$78,787.53
Remaining funds due$78,787.53
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%)$9,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,667.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,186.75
Prepaid interest, first (9 days)$1,344.27
Fees + prepaids$23,306.61
Your down payment is the seller’s equity. You take over the $933,519 balance, so the rest of the $989,000 price is paid at closing. A second mortgage can cover part of it. $78,787.53 is due at closing. Uses and sources reconcile at $1,012,306.61 each. Not a Closing Disclosure.