Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$24,770Cash toward the purchase price.
Closing costs + prepaids$21,938Not just lender fees.
Before credits & paid funds$46,708The complete starting cash picture.
Estimated remaining funds due at closing
$46,708No 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$21,938.49
Total buyer cash needed$46,708.31
Remaining funds due$46,708.31
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)$1,006.25
Initial HOA (3 months)$60.00
Prepaid interest, first (18 days)$2,704.59
Fees + prepaids$21,938.49
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. $46,708.31 is due at closing. Uses and sources reconcile at $826,838.49 each. Not a Closing Disclosure.