Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$10,916Cash toward the purchase price.
Closing costs + prepaids$23,479Not just lender fees.
Before credits & paid funds$34,395The complete starting cash picture.
Estimated remaining funds due at closing
$34,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,915.84
Your down payment$10,915.84
Closing costs + prepaids$23,479.34
Total buyer cash needed$34,395.18
Remaining funds due$34,395.18
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%)$3,940.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,065.00
Initial HOA (3 months)$38.01
Prepaid interest, first (23 days)$3,227.91
Fees + prepaids$23,479.34
Your down payment is the seller’s equity. You take over the $788,084 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $34,395.18 is due at closing. Uses and sources reconcile at $822,479.34 each. Not a Closing Disclosure.