Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,779Cash toward the purchase price.
Closing costs + prepaids$22,818Not just lender fees.
Before credits & paid funds$66,597The complete starting cash picture.
Estimated remaining funds due at closing
$66,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,778.84
Your down payment$43,778.84
Closing costs + prepaids$22,818.50
Total buyer cash needed$66,597.34
Remaining funds due$66,597.34
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%)$8,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,831.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$985.25
Prepaid interest, first (27 days)$3,684.15
Fees + prepaids$22,818.50
Your down payment is the seller’s equity. You take over the $766,220 balance, so the rest of the $809,999 price is paid at closing. A second mortgage can cover part of it. $66,597.34 is due at closing. Uses and sources reconcile at $832,817.50 each. Not a Closing Disclosure.