Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$63,083Cash toward the purchase price.
Closing costs + prepaids$20,812Not just lender fees.
Before credits & paid funds$83,896The complete starting cash picture.
Estimated remaining funds due at closing
$83,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,083.21
Your down payment$63,083.21
Closing costs + prepaids$20,812.44
Total buyer cash needed$83,895.65
Remaining funds due$83,895.65
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%)$8,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,784.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,693.75
Initial HOA (3 months)$705.00
Prepaid interest, first (2 days)$211.11
Fees + prepaids$20,812.44
Your down payment is the seller’s equity. You take over the $756,917 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $83,895.65 is due at closing. Uses and sources reconcile at $840,812.44 each. Not a Closing Disclosure.