Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$789,353Cash toward the purchase price.
Closing costs + prepaids$17,134Not just lender fees.
Before credits & paid funds$806,487The complete starting cash picture.
Estimated remaining funds due at closing
$806,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$789,353.03
Your down payment$789,353.03
Closing costs + prepaids$17,133.58
Total buyer cash needed$806,486.61
Remaining funds due$806,486.61
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%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$248.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,097.50
Prepaid interest, first (22 days)$179.84
Fees + prepaids$17,133.58
Your down payment is the seller’s equity. You take over the $49,647 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $806,486.61 is due at closing. Uses and sources reconcile at $856,133.58 each. Not a Closing Disclosure.