Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$9,831Cash toward the purchase price.
Closing costs + prepaids$21,998Not just lender fees.
Before credits & paid funds$31,829The complete starting cash picture.
Estimated remaining funds due at closing
$31,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,830.75
Your down payment$9,830.75
Closing costs + prepaids$21,998.14
Total buyer cash needed$31,828.89
Remaining funds due$31,828.89
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%)$3,950.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Prepaid interest, first (26 days)$1,829.30
Fees + prepaids$21,998.14
Your down payment is the seller’s equity. You take over the $790,169 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $31,828.89 is due at closing. Uses and sources reconcile at $821,998.14 each. Not a Closing Disclosure.