Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,628Cash toward the purchase price.
Closing costs + prepaids$23,694Not just lender fees.
Before credits & paid funds$53,322The complete starting cash picture.
Estimated remaining funds due at closing
$53,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,628.24
Your down payment$29,628.24
Closing costs + prepaids$23,693.79
Total buyer cash needed$53,322.03
Remaining funds due$53,322.03
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%)$7,839.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,771.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,959.75
Prepaid interest, first (28 days)$3,905.68
Fees + prepaids$23,693.79
Your down payment is the seller’s equity. You take over the $754,272 balance, so the rest of the $783,900 price is paid at closing. A second mortgage can cover part of it. $53,322.03 is due at closing. Uses and sources reconcile at $807,593.79 each. Not a Closing Disclosure.