Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,345Cash toward the purchase price.
Closing costs + prepaids$24,313Not just lender fees.
Before credits & paid funds$29,658The complete starting cash picture.
Estimated remaining funds due at closing
$29,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,344.91
Your down payment$5,344.91
Closing costs + prepaids$24,313.35
Total buyer cash needed$29,658.26
Remaining funds due$29,658.26
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%)$4,098.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$539.25
Initial HOA (3 months)$1,185.00
Prepaid interest, first (26 days)$4,022.82
Fees + prepaids$24,313.35
Your down payment is the seller’s equity. You take over the $819,655 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $29,658.26 is due at closing. Uses and sources reconcile at $849,313.35 each. Not a Closing Disclosure.