Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$107,249Cash toward the purchase price.
Closing costs + prepaids$22,521Not just lender fees.
Before credits & paid funds$129,770The complete starting cash picture.
Estimated remaining funds due at closing
$129,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,248.99
Your down payment$107,248.99
Closing costs + prepaids$22,521.41
Total buyer cash needed$129,770.40
Remaining funds due$129,770.40
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,458.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,694.50
Initial HOA (3 months)$330.99
Prepaid interest, first (24 days)$2,829.17
Fees + prepaids$22,521.41
Your down payment is the seller’s equity. You take over the $691,751 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $129,770.40 is due at closing. Uses and sources reconcile at $821,521.41 each. Not a Closing Disclosure.