Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$45,290Cash toward the purchase price.
Closing costs + prepaids$21,682Not just lender fees.
Before credits & paid funds$66,972The complete starting cash picture.
Estimated remaining funds due at closing
$66,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,290.17
Your down payment$45,290.17
Closing costs + prepaids$21,682.15
Total buyer cash needed$66,972.32
Remaining funds due$66,972.32
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,023.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,167.25
Prepaid interest, first (5 days)$774.85
Fees + prepaids$21,682.15
Your down payment is the seller’s equity. You take over the $804,610 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $66,972.32 is due at closing. Uses and sources reconcile at $871,582.15 each. Not a Closing Disclosure.