Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$20,380Cash toward the purchase price.
Closing costs + prepaids$20,559Not just lender fees.
Before credits & paid funds$40,939The complete starting cash picture.
Estimated remaining funds due at closing
$40,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,380.19
Your down payment$20,380.19
Closing costs + prepaids$20,558.77
Total buyer cash needed$40,938.96
Remaining funds due$40,938.96
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,848.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$948.00
Prepaid interest, first (12 days)$1,644.67
Fees + prepaids$20,558.77
Your down payment is the seller’s equity. You take over the $769,620 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $40,938.96 is due at closing. Uses and sources reconcile at $810,558.77 each. Not a Closing Disclosure.