Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,626Cash toward the purchase price.
Closing costs + prepaids$8,094Not just lender fees.
Before credits & paid funds$34,720The complete starting cash picture.
Estimated remaining funds due at closing
$34,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,626.33
Your down payment$26,626.33
Closing costs + prepaids$8,093.69
Total buyer cash needed$34,720.01
Remaining funds due$34,720.01
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%)$850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$291.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.75
Initial HOA (3 months)$1,398.00
Prepaid interest, first (2 days)$11.07
Fees + prepaids$8,093.69
Your down payment is the seller’s equity. You take over the $58,374 balance, so the rest of the $85,000 price is paid at closing. A second mortgage can cover part of it. $34,720.01 is due at closing. Uses and sources reconcile at $93,093.69 each. Not a Closing Disclosure.