Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,243Cash toward the purchase price.
Closing costs + prepaids$24,404Not just lender fees.
Before credits & paid funds$112,647The complete starting cash picture.
Estimated remaining funds due at closing
$112,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,242.57
Your down payment$88,242.57
Closing costs + prepaids$24,404.43
Total buyer cash needed$112,647.00
Remaining funds due$112,647.00
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,558.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Initial HOA (3 months)$900.00
Prepaid interest, first (27 days)$3,727.65
Fees + prepaids$24,404.43
Your down payment is the seller’s equity. You take over the $711,756 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $112,647.00 is due at closing. Uses and sources reconcile at $824,403.43 each. Not a Closing Disclosure.