Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$55,641Cash toward the purchase price.
Closing costs + prepaids$21,440Not just lender fees.
Before credits & paid funds$77,081The complete starting cash picture.
Estimated remaining funds due at closing
$77,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,641.25
Your down payment$55,641.25
Closing costs + prepaids$21,439.59
Total buyer cash needed$77,080.83
Remaining funds due$77,080.83
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%)$8,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,871.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$996.00
Initial HOA (3 months)$399.00
Prepaid interest, first (12 days)$1,654.79
Fees + prepaids$21,439.59
Your down payment is the seller’s equity. You take over the $774,359 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $77,080.83 is due at closing. Uses and sources reconcile at $851,439.59 each. Not a Closing Disclosure.