Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$24,655Cash toward the purchase price.
Closing costs + prepaids$24,688Not just lender fees.
Before credits & paid funds$49,343The complete starting cash picture.
Estimated remaining funds due at closing
$49,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,654.84
Your down payment$24,654.84
Closing costs + prepaids$24,687.67
Total buyer cash needed$49,342.50
Remaining funds due$49,342.50
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%)$7,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,826.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,992.75
Initial HOA (3 months)$519.99
Prepaid interest, first (29 days)$4,231.70
Fees + prepaids$24,687.67
Your down payment is the seller’s equity. You take over the $765,245 balance, so the rest of the $789,900 price is paid at closing. A second mortgage can cover part of it. $49,342.50 is due at closing. Uses and sources reconcile at $814,587.67 each. Not a Closing Disclosure.