Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,827Cash toward the purchase price.
Closing costs + prepaids$19,557Not just lender fees.
Before credits & paid funds$44,383The complete starting cash picture.
Estimated remaining funds due at closing
$44,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,826.56
Your down payment$24,826.56
Closing costs + prepaids$19,556.92
Total buyer cash needed$44,383.48
Remaining funds due$44,383.48
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%)$8,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,970.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$694.50
Initial HOA (3 months)$348.00
Prepaid interest, first (1 days)$135.55
Fees + prepaids$19,556.92
Your down payment is the seller’s equity. You take over the $794,173 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $44,383.48 is due at closing. Uses and sources reconcile at $838,556.92 each. Not a Closing Disclosure.