Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$18,075Cash toward the purchase price.
Closing costs + prepaids$23,369Not just lender fees.
Before credits & paid funds$41,445The complete starting cash picture.
Estimated remaining funds due at closing
$41,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,075.41
Your down payment$18,075.41
Closing costs + prepaids$23,369.36
Total buyer cash needed$41,444.77
Remaining funds due$41,444.77
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%)$7,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,799.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,945.00
Initial HOA (3 months)$129.00
Prepaid interest, first (25 days)$3,497.74
Fees + prepaids$23,369.36
Your down payment is the seller’s equity. You take over the $759,925 balance, so the rest of the $778,000 price is paid at closing. A second mortgage can cover part of it. $41,444.77 is due at closing. Uses and sources reconcile at $801,369.36 each. Not a Closing Disclosure.