Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,718Cash toward the purchase price.
Closing costs + prepaids$24,407Not just lender fees.
Before credits & paid funds$45,125The complete starting cash picture.
Estimated remaining funds due at closing
$45,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,717.51
Your down payment$20,717.51
Closing costs + prepaids$24,407.13
Total buyer cash needed$45,124.64
Remaining funds due$45,124.64
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%)$3,891.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,809.50
Prepaid interest, first (26 days)$3,498.22
Fees + prepaids$24,407.13
Your down payment is the seller’s equity. You take over the $778,282 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $45,124.64 is due at closing. Uses and sources reconcile at $823,407.13 each. Not a Closing Disclosure.