Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$121,385Cash toward the purchase price.
Closing costs + prepaids$21,204Not just lender fees.
Before credits & paid funds$142,589The complete starting cash picture.
Estimated remaining funds due at closing
$142,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,384.92
Your down payment$121,384.92
Closing costs + prepaids$21,204.39
Total buyer cash needed$142,589.31
Remaining funds due$142,589.31
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,368.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$45.00
Prepaid interest, first (29 days)$3,623.31
Fees + prepaids$21,204.39
Your down payment is the seller’s equity. You take over the $673,615 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $142,589.31 is due at closing. Uses and sources reconcile at $816,204.39 each. Not a Closing Disclosure.