Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$184,603Cash toward the purchase price.
Closing costs + prepaids$20,205Not just lender fees.
Before credits & paid funds$204,808The complete starting cash picture.
Estimated remaining funds due at closing
$204,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,603.19
Your down payment$184,603.19
Closing costs + prepaids$20,204.66
Total buyer cash needed$204,807.84
Remaining funds due$204,807.84
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,071.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$128.50
Initial HOA (3 months)$330.00
Prepaid interest, first (23 days)$2,466.17
Fees + prepaids$20,204.66
Your down payment is the seller’s equity. You take over the $614,397 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $204,807.84 is due at closing. Uses and sources reconcile at $819,204.66 each. Not a Closing Disclosure.