Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$14,260Cash toward the purchase price.
Closing costs + prepaids$23,912Not just lender fees.
Before credits & paid funds$38,172The complete starting cash picture.
Estimated remaining funds due at closing
$38,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,259.81
Your down payment$14,259.81
Closing costs + prepaids$23,912.41
Total buyer cash needed$38,172.21
Remaining funds due$38,172.21
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,803.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Initial HOA (3 months)$585.00
Prepaid interest, first (28 days)$3,618.21
Fees + prepaids$23,912.41
Your down payment is the seller’s equity. You take over the $760,740 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $38,172.21 is due at closing. Uses and sources reconcile at $798,912.41 each. Not a Closing Disclosure.