Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,440Cash toward the purchase price.
Closing costs + prepaids$23,427Not just lender fees.
Before credits & paid funds$82,867The complete starting cash picture.
Estimated remaining funds due at closing
$82,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,440.22
Your down payment$59,440.22
Closing costs + prepaids$23,427.12
Total buyer cash needed$82,867.34
Remaining funds due$82,867.34
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,627.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,378.00
Initial HOA (3 months)$143.76
Prepaid interest, first (26 days)$3,209.56
Fees + prepaids$23,427.12
Your down payment is the seller’s equity. You take over the $725,560 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $82,867.34 is due at closing. Uses and sources reconcile at $808,427.12 each. Not a Closing Disclosure.