Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,633Cash toward the purchase price.
Closing costs + prepaids$21,073Not just lender fees.
Before credits & paid funds$76,706The complete starting cash picture.
Estimated remaining funds due at closing
$76,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,633.13
Your down payment$55,633.13
Closing costs + prepaids$21,073.30
Total buyer cash needed$76,706.43
Remaining funds due$76,706.43
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%)$3,646.83
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)$1,586.22
Fees + prepaids$21,073.30
Your down payment is the seller’s equity. You take over the $729,366 balance, so the rest of the $784,999 price is paid at closing. A second mortgage can cover part of it. $76,706.43 is due at closing. Uses and sources reconcile at $806,072.30 each. Not a Closing Disclosure.