Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,395Cash toward the purchase price.
Closing costs + prepaids$22,093Not just lender fees.
Before credits & paid funds$114,488The complete starting cash picture.
Estimated remaining funds due at closing
$114,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,395.10
Your down payment$92,395.10
Closing costs + prepaids$22,093.38
Total buyer cash needed$114,488.47
Remaining funds due$114,488.47
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,533.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Initial HOA (3 months)$810.00
Prepaid interest, first (28 days)$1,544.85
Fees + prepaids$22,093.38
Your down payment is the seller’s equity. You take over the $706,605 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $114,488.47 is due at closing. Uses and sources reconcile at $821,093.38 each. Not a Closing Disclosure.