Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$134,207Cash toward the purchase price.
Closing costs + prepaids$19,975Not just lender fees.
Before credits & paid funds$154,182The complete starting cash picture.
Estimated remaining funds due at closing
$154,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,207.49
Your down payment$134,207.49
Closing costs + prepaids$19,974.83
Total buyer cash needed$154,182.33
Remaining funds due$154,182.33
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%)$3,328.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,069.00
Initial HOA (3 months)$62.49
Prepaid interest, first (23 days)$1,296.38
Fees + prepaids$19,974.83
Your down payment is the seller’s equity. You take over the $665,793 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $154,182.33 is due at closing. Uses and sources reconcile at $819,974.83 each. Not a Closing Disclosure.