Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$3,875Cash toward the purchase price.
Closing costs + prepaids$26,390Not just lender fees.
Before credits & paid funds$30,265The complete starting cash picture.
Estimated remaining funds due at closing
$30,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,874.60
Your down payment$3,874.60
Closing costs + prepaids$26,390.41
Total buyer cash needed$30,265.01
Remaining funds due$30,265.01
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,605.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$832.25
Initial HOA (3 months)$462.00
Prepaid interest, first (31 days)$5,022.53
Fees + prepaids$26,390.41
Your down payment is the seller’s equity. You take over the $921,125 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $30,265.01 is due at closing. Uses and sources reconcile at $951,390.41 each. Not a Closing Disclosure.