Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$54,850Cash toward the purchase price.
Closing costs + prepaids$19,766Not just lender fees.
Before credits & paid funds$74,616The complete starting cash picture.
Estimated remaining funds due at closing
$74,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,850.49
Your down payment$54,850.49
Closing costs + prepaids$19,765.83
Total buyer cash needed$74,616.32
Remaining funds due$74,616.32
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%)$3,875.75
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)$276.08
Fees + prepaids$19,765.83
Your down payment is the seller’s equity. You take over the $775,150 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $74,616.32 is due at closing. Uses and sources reconcile at $849,765.83 each. Not a Closing Disclosure.