Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,455Cash toward the purchase price.
Closing costs + prepaids$24,227Not just lender fees.
Before credits & paid funds$91,682The complete starting cash picture.
Estimated remaining funds due at closing
$91,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,454.83
Your down payment$67,454.83
Closing costs + prepaids$24,227.11
Total buyer cash needed$91,681.94
Remaining funds due$91,681.94
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%)$8,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,687.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,318.75
Prepaid interest, first (31 days)$3,952.64
Fees + prepaids$24,227.11
Your down payment is the seller’s equity. You take over the $737,545 balance, so the rest of the $805,000 price is paid at closing. A second mortgage can cover part of it. $91,681.94 is due at closing. Uses and sources reconcile at $829,227.11 each. Not a Closing Disclosure.