Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,376Cash toward the purchase price.
Closing costs + prepaids$21,949Not just lender fees.
Before credits & paid funds$65,326The complete starting cash picture.
Estimated remaining funds due at closing
$65,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,376.34
Your down payment$43,376.34
Closing costs + prepaids$21,949.35
Total buyer cash needed$65,325.69
Remaining funds due$65,325.69
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%)$7,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,657.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,183.25
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$3,116.49
Fees + prepaids$21,949.35
Your down payment is the seller’s equity. You take over the $731,524 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $65,325.69 is due at closing. Uses and sources reconcile at $796,849.35 each. Not a Closing Disclosure.