Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$67,457Cash toward the purchase price.
Closing costs + prepaids$18,969Not just lender fees.
Before credits & paid funds$86,426The complete starting cash picture.
Estimated remaining funds due at closing
$86,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,456.69
Your down payment$67,456.69
Closing costs + prepaids$18,968.94
Total buyer cash needed$86,425.63
Remaining funds due$86,425.63
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%)$8,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,762.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$273.75
Initial HOA (3 months)$387.00
Prepaid interest, first (1 days)$127.62
Fees + prepaids$18,968.94
Your down payment is the seller’s equity. You take over the $752,533 balance, so the rest of the $819,990 price is paid at closing. A second mortgage can cover part of it. $86,425.63 is due at closing. Uses and sources reconcile at $838,958.94 each. Not a Closing Disclosure.