Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,776Cash toward the purchase price.
Closing costs + prepaids$21,112Not just lender fees.
Before credits & paid funds$75,888The complete starting cash picture.
Estimated remaining funds due at closing
$75,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,776.34
Your down payment$54,776.34
Closing costs + prepaids$21,111.86
Total buyer cash needed$75,888.20
Remaining funds due$75,888.20
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%)$7,849.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,651.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,500.25
Initial HOA (3 months)$272.01
Prepaid interest, first (27 days)$1,620.49
Fees + prepaids$21,111.86
Your down payment is the seller’s equity. You take over the $730,223 balance, so the rest of the $784,999 price is paid at closing. A second mortgage can cover part of it. $75,888.20 is due at closing. Uses and sources reconcile at $806,110.86 each. Not a Closing Disclosure.