Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$53,779Cash toward the purchase price.
Closing costs + prepaids$23,213Not just lender fees.
Before credits & paid funds$76,992The complete starting cash picture.
Estimated remaining funds due at closing
$76,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,778.62
Your down payment$53,778.62
Closing costs + prepaids$23,213.32
Total buyer cash needed$76,991.94
Remaining funds due$76,991.94
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,476.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,138.75
Initial HOA (3 months)$438.00
Prepaid interest, first (9 days)$1,452.47
Fees + prepaids$23,213.32
Your down payment is the seller’s equity. You take over the $895,221 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $76,991.94 is due at closing. Uses and sources reconcile at $972,213.32 each. Not a Closing Disclosure.