Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$53,670Cash toward the purchase price.
Closing costs + prepaids$19,792Not just lender fees.
Before credits & paid funds$73,462The complete starting cash picture.
Estimated remaining funds due at closing
$73,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,670.02
Your down payment$53,670.02
Closing costs + prepaids$19,791.72
Total buyer cash needed$73,461.74
Remaining funds due$73,461.74
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%)$8,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,881.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$697.00
Initial HOA (3 months)$399.00
Prepaid interest, first (2 days)$296.07
Fees + prepaids$19,791.72
Your down payment is the seller’s equity. You take over the $776,330 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $73,461.74 is due at closing. Uses and sources reconcile at $849,791.72 each. Not a Closing Disclosure.