Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,040Cash toward the purchase price.
Closing costs + prepaids$18,581Not just lender fees.
Before credits & paid funds$53,621The complete starting cash picture.
Estimated remaining funds due at closing
$53,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,040.18
Your down payment$35,040.18
Closing costs + prepaids$18,580.53
Total buyer cash needed$53,620.72
Remaining funds due$53,620.72
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%)$3,649.80
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 (1 days)$138.99
Fees + prepaids$18,580.53
Your down payment is the seller’s equity. You take over the $729,960 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $53,620.72 is due at closing. Uses and sources reconcile at $783,580.53 each. Not a Closing Disclosure.