Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$60,888Cash toward the purchase price.
Closing costs + prepaids$22,330Not just lender fees.
Before credits & paid funds$83,218The complete starting cash picture.
Estimated remaining funds due at closing
$83,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,887.77
Your down payment$60,887.77
Closing costs + prepaids$22,330.46
Total buyer cash needed$83,218.23
Remaining funds due$83,218.23
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,695.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,317.25
Initial HOA (3 months)$186.00
Prepaid interest, first (23 days)$2,915.15
Fees + prepaids$22,330.46
Your down payment is the seller’s equity. You take over the $739,012 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $83,218.23 is due at closing. Uses and sources reconcile at $822,230.46 each. Not a Closing Disclosure.