Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,626Cash toward the purchase price.
Closing costs + prepaids$23,615Not just lender fees.
Before credits & paid funds$49,241The complete starting cash picture.
Estimated remaining funds due at closing
$49,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,626.10
Your down payment$25,626.10
Closing costs + prepaids$23,615.30
Total buyer cash needed$49,241.40
Remaining funds due$49,241.40
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%)$8,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,966.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$694.50
Initial HOA (3 months)$348.00
Prepaid interest, first (31 days)$4,197.93
Fees + prepaids$23,615.30
Your down payment is the seller’s equity. You take over the $793,374 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $49,241.40 is due at closing. Uses and sources reconcile at $842,615.30 each. Not a Closing Disclosure.