Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$16,469Cash toward the purchase price.
Closing costs + prepaids$23,937Not just lender fees.
Before credits & paid funds$40,406The complete starting cash picture.
Estimated remaining funds due at closing
$40,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,469.18
Your down payment$16,469.18
Closing costs + prepaids$23,937.12
Total buyer cash needed$40,406.30
Remaining funds due$40,406.30
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,892.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,526.00
Initial HOA (3 months)$249.99
Prepaid interest, first (23 days)$3,100.47
Fees + prepaids$23,937.12
Your down payment is the seller’s equity. You take over the $778,531 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $40,406.30 is due at closing. Uses and sources reconcile at $818,937.12 each. Not a Closing Disclosure.