Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$47,637Cash toward the purchase price.
Closing costs + prepaids$20,817Not just lender fees.
Before credits & paid funds$68,454The complete starting cash picture.
Estimated remaining funds due at closing
$68,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,637.13
Your down payment$47,637.13
Closing costs + prepaids$20,817.37
Total buyer cash needed$68,454.50
Remaining funds due$68,454.50
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%)$7,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,706.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$986.25
Initial HOA (3 months)$300.00
Prepaid interest, first (13 days)$1,716.31
Fees + prepaids$20,817.37
Your down payment is the seller’s equity. You take over the $741,363 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $68,454.50 is due at closing. Uses and sources reconcile at $809,817.37 each. Not a Closing Disclosure.