Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$6,793Cash toward the purchase price.
Closing costs + prepaids$26,788Not just lender fees.
Before credits & paid funds$33,581The complete starting cash picture.
Estimated remaining funds due at closing
$33,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,792.97
Your down payment$6,792.97
Closing costs + prepaids$26,788.44
Total buyer cash needed$33,581.41
Remaining funds due$33,581.41
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%)$9,398.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,665.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,278.50
Initial HOA (3 months)$183.00
Prepaid interest, first (30 days)$5,045.91
Fees + prepaids$26,788.44
Your down payment is the seller’s equity. You take over the $933,007 balance, so the rest of the $939,800 price is paid at closing. A second mortgage can cover part of it. $33,581.41 is due at closing. Uses and sources reconcile at $966,588.44 each. Not a Closing Disclosure.