Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$15,626Cash toward the purchase price.
Closing costs + prepaids$20,812Not just lender fees.
Before credits & paid funds$36,438The complete starting cash picture.
Estimated remaining funds due at closing
$36,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,626.10
Your down payment$15,626.10
Closing costs + prepaids$20,812.37
Total buyer cash needed$36,438.48
Remaining funds due$36,438.48
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%)$8,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,966.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$970.75
Initial HOA (3 months)$348.00
Prepaid interest, first (9 days)$1,218.75
Fees + prepaids$20,812.37
Your down payment is the seller’s equity. You take over the $793,374 balance, so the rest of the $809,000 price is paid at closing. A second mortgage can cover part of it. $36,438.48 is due at closing. Uses and sources reconcile at $829,812.37 each. Not a Closing Disclosure.