Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$153,786Cash toward the purchase price.
Closing costs + prepaids$21,903Not just lender fees.
Before credits & paid funds$175,688The complete starting cash picture.
Estimated remaining funds due at closing
$175,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,785.56
Your down payment$153,785.56
Closing costs + prepaids$21,902.77
Total buyer cash needed$175,688.33
Remaining funds due$175,688.33
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%)$7,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,225.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.25
Initial HOA (3 months)$258.00
Prepaid interest, first (26 days)$2,214.95
Fees + prepaids$21,902.77
Your down payment is the seller’s equity. You take over the $645,114 balance, so the rest of the $798,900 price is paid at closing. A second mortgage can cover part of it. $175,688.33 is due at closing. Uses and sources reconcile at $820,802.77 each. Not a Closing Disclosure.