Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$96,345Cash toward the purchase price.
Closing costs + prepaids$20,688Not just lender fees.
Before credits & paid funds$117,033The complete starting cash picture.
Estimated remaining funds due at closing
$117,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,345.10
Your down payment$96,345.10
Closing costs + prepaids$20,688.19
Total buyer cash needed$117,033.28
Remaining funds due$117,033.28
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%)$8,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,518.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,552.75
Initial HOA (3 months)$255.00
Prepaid interest, first (25 days)$1,144.16
Fees + prepaids$20,688.19
Your down payment is the seller’s equity. You take over the $703,655 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $117,033.28 is due at closing. Uses and sources reconcile at $820,688.19 each. Not a Closing Disclosure.