Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$113,348Cash toward the purchase price.
Closing costs + prepaids$23,095Not just lender fees.
Before credits & paid funds$136,443The complete starting cash picture.
Estimated remaining funds due at closing
$136,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,348.02
Your down payment$113,348.02
Closing costs + prepaids$23,094.77
Total buyer cash needed$136,442.79
Remaining funds due$136,442.79
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,432.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,859.00
Initial HOA (3 months)$252.00
Prepaid interest, first (25 days)$3,334.01
Fees + prepaids$23,094.77
Your down payment is the seller’s equity. You take over the $686,552 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $136,442.79 is due at closing. Uses and sources reconcile at $822,994.77 each. Not a Closing Disclosure.