Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,770Cash toward the purchase price.
Closing costs + prepaids$23,116Not just lender fees.
Before credits & paid funds$47,886The complete starting cash picture.
Estimated remaining funds due at closing
$47,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,769.82
Your down payment$24,769.82
Closing costs + prepaids$23,116.05
Total buyer cash needed$47,885.87
Remaining funds due$47,885.87
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%)$8,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,900.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$681.25
Initial HOA (3 months)$60.00
Prepaid interest, first (28 days)$4,207.15
Fees + prepaids$23,116.05
Your down payment is the seller’s equity. You take over the $780,130 balance, so the rest of the $804,900 price is paid at closing. A second mortgage can cover part of it. $47,885.87 is due at closing. Uses and sources reconcile at $828,016.05 each. Not a Closing Disclosure.