Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$84,794Cash toward the purchase price.
Closing costs + prepaids$22,605Not just lender fees.
Before credits & paid funds$107,399The complete starting cash picture.
Estimated remaining funds due at closing
$107,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,794.23
Your down payment$84,794.23
Closing costs + prepaids$22,605.10
Total buyer cash needed$107,399.33
Remaining funds due$107,399.33
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,201.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,358.75
Prepaid interest, first (4 days)$577.32
Fees + prepaids$22,605.10
Your down payment is the seller’s equity. You take over the $840,206 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $107,399.33 is due at closing. Uses and sources reconcile at $947,605.10 each. Not a Closing Disclosure.