Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,929Cash toward the purchase price.
Closing costs + prepaids$23,952Not just lender fees.
Before credits & paid funds$76,882The complete starting cash picture.
Estimated remaining funds due at closing
$76,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,929.49
Your down payment$52,929.49
Closing costs + prepaids$23,952.29
Total buyer cash needed$76,881.78
Remaining funds due$76,881.78
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%)$8,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,830.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,047.50
Prepaid interest, first (27 days)$3,666.43
Fees + prepaids$23,952.29
Your down payment is the seller’s equity. You take over the $766,071 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $76,881.78 is due at closing. Uses and sources reconcile at $842,952.29 each. Not a Closing Disclosure.