Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,979Cash toward the purchase price.
Closing costs + prepaids$22,560Not just lender fees.
Before credits & paid funds$41,539The complete starting cash picture.
Estimated remaining funds due at closing
$41,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,979.42
Your down payment$18,979.42
Closing costs + prepaids$22,559.52
Total buyer cash needed$41,538.94
Remaining funds due$41,538.94
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,705.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$610.75
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$4,065.67
Fees + prepaids$22,559.52
Your down payment is the seller’s equity. You take over the $741,021 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $41,538.94 is due at closing. Uses and sources reconcile at $782,559.52 each. Not a Closing Disclosure.