Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,796Cash toward the purchase price.
Closing costs + prepaids$23,053Not just lender fees.
Before credits & paid funds$50,849The complete starting cash picture.
Estimated remaining funds due at closing
$50,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,795.89
Your down payment$27,795.89
Closing costs + prepaids$23,053.13
Total buyer cash needed$50,849.02
Remaining funds due$50,849.02
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,861.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,707.25
Initial HOA (3 months)$177.00
Prepaid interest, first (23 days)$3,089.87
Fees + prepaids$23,053.13
Your down payment is the seller’s equity. You take over the $772,203 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $50,849.02 is due at closing. Uses and sources reconcile at $823,052.13 each. Not a Closing Disclosure.