Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,915Cash toward the purchase price.
Closing costs + prepaids$18,438Not just lender fees.
Before credits & paid funds$67,353The complete starting cash picture.
Estimated remaining funds due at closing
$67,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,914.73
Your down payment$48,914.73
Closing costs + prepaids$18,438.06
Total buyer cash needed$67,352.79
Remaining funds due$67,352.79
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%)$7,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,590.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$829.00
Prepaid interest, first (1 days)$130.63
Fees + prepaids$18,438.06
Your down payment is the seller’s equity. You take over the $718,085 balance, so the rest of the $767,000 price is paid at closing. A second mortgage can cover part of it. $67,352.79 is due at closing. Uses and sources reconcile at $785,438.06 each. Not a Closing Disclosure.