Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$39,406Cash toward the purchase price.
Closing costs + prepaids$22,934Not just lender fees.
Before credits & paid funds$62,340The complete starting cash picture.
Estimated remaining funds due at closing
$62,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,405.67
Your down payment$39,405.67
Closing costs + prepaids$22,934.14
Total buyer cash needed$62,339.81
Remaining funds due$62,339.81
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%)$7,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,702.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,826.00
Initial HOA (3 months)$90.00
Prepaid interest, first (25 days)$3,297.17
Fees + prepaids$22,934.14
Your down payment is the seller’s equity. You take over the $740,594 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $62,339.81 is due at closing. Uses and sources reconcile at $802,934.14 each. Not a Closing Disclosure.