Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$32,202Cash toward the purchase price.
Closing costs + prepaids$23,904Not just lender fees.
Before credits & paid funds$56,105The complete starting cash picture.
Estimated remaining funds due at closing
$56,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,201.56
Your down payment$32,201.56
Closing costs + prepaids$23,903.76
Total buyer cash needed$56,105.33
Remaining funds due$56,105.33
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%)$3,838.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Initial HOA (3 months)$150.00
Prepaid interest, first (29 days)$3,696.79
Fees + prepaids$23,903.76
Your down payment is the seller’s equity. You take over the $767,797 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $56,105.33 is due at closing. Uses and sources reconcile at $823,902.76 each. Not a Closing Disclosure.