Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,844Cash toward the purchase price.
Closing costs + prepaids$23,331Not just lender fees.
Before credits & paid funds$47,176The complete starting cash picture.
Estimated remaining funds due at closing
$47,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,844.49
Your down payment$23,844.49
Closing costs + prepaids$23,331.42
Total buyer cash needed$47,175.91
Remaining funds due$47,175.91
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,005.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,039.75
Prepaid interest, first (26 days)$3,817.89
Fees + prepaids$23,331.42
Your down payment is the seller’s equity. You take over the $801,156 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $47,175.91 is due at closing. Uses and sources reconcile at $848,331.42 each. Not a Closing Disclosure.