Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$128,075Cash toward the purchase price.
Closing costs + prepaids$21,954Not just lender fees.
Before credits & paid funds$150,030The complete starting cash picture.
Estimated remaining funds due at closing
$150,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,075.43
Your down payment$128,075.43
Closing costs + prepaids$21,954.41
Total buyer cash needed$150,029.84
Remaining funds due$150,029.84
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%)$7,948.70
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,333.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,704.50
Initial HOA (3 months)$165.00
Prepaid interest, first (22 days)$2,584.24
Fees + prepaids$21,954.41
Your down payment is the seller’s equity. You take over the $666,795 balance, so the rest of the $794,870 price is paid at closing. A second mortgage can cover part of it. $150,029.84 is due at closing. Uses and sources reconcile at $816,824.41 each. Not a Closing Disclosure.