Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$7,563Cash toward the purchase price.
Closing costs + prepaids$24,632Not just lender fees.
Before credits & paid funds$32,195The complete starting cash picture.
Estimated remaining funds due at closing
$32,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,562.52
Your down payment$7,562.52
Closing costs + prepaids$24,632.06
Total buyer cash needed$32,194.58
Remaining funds due$32,194.58
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%)$3,862.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,950.00
Initial HOA (3 months)$960.00
Prepaid interest, first (29 days)$3,841.87
Fees + prepaids$24,632.06
Your down payment is the seller’s equity. You take over the $772,437 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $32,194.58 is due at closing. Uses and sources reconcile at $804,632.06 each. Not a Closing Disclosure.