Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$34,674Cash toward the purchase price.
Closing costs + prepaids$18,726Not just lender fees.
Before credits & paid funds$53,400The complete starting cash picture.
Estimated remaining funds due at closing
$53,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,674.29
Your down payment$34,674.29
Closing costs + prepaids$18,725.89
Total buyer cash needed$53,400.18
Remaining funds due$53,400.18
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%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,651.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$898.75
Initial HOA (3 months)$24.99
Prepaid interest, first (2 days)$282.53
Fees + prepaids$18,725.89
Your down payment is the seller’s equity. You take over the $730,326 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $53,400.18 is due at closing. Uses and sources reconcile at $783,725.89 each. Not a Closing Disclosure.