Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$12,418Cash toward the purchase price.
Closing costs + prepaids$25,093Not just lender fees.
Before credits & paid funds$37,511The complete starting cash picture.
Estimated remaining funds due at closing
$37,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,417.73
Your down payment$12,417.73
Closing costs + prepaids$25,093.04
Total buyer cash needed$37,510.77
Remaining funds due$37,510.77
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%)$8,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,032.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,388.00
Initial HOA (3 months)$1,209.00
Prepaid interest, first (31 days)$2,055.13
Fees + prepaids$25,093.04
Your down payment is the seller’s equity. You take over the $806,582 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $37,510.77 is due at closing. Uses and sources reconcile at $844,093.04 each. Not a Closing Disclosure.