Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$39,729Cash toward the purchase price.
Closing costs + prepaids$23,941Not just lender fees.
Before credits & paid funds$63,669The complete starting cash picture.
Estimated remaining funds due at closing
$63,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,728.50
Your down payment$39,728.50
Closing costs + prepaids$23,940.62
Total buyer cash needed$63,669.13
Remaining funds due$63,669.13
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%)$8,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,851.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,025.00
Prepaid interest, first (28 days)$3,746.26
Fees + prepaids$23,940.62
Your down payment is the seller’s equity. You take over the $770,271 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $63,669.13 is due at closing. Uses and sources reconcile at $833,940.62 each. Not a Closing Disclosure.