Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,955Cash toward the purchase price.
Closing costs + prepaids$24,275Not just lender fees.
Before credits & paid funds$30,231The complete starting cash picture.
Estimated remaining funds due at closing
$30,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,955.32
Your down payment$5,955.32
Closing costs + prepaids$24,275.33
Total buyer cash needed$30,230.65
Remaining funds due$30,230.65
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%)$3,965.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Initial HOA (3 months)$927.00
Prepaid interest, first (26 days)$3,177.61
Fees + prepaids$24,275.33
Your down payment is the seller’s equity. You take over the $793,045 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $30,230.65 is due at closing. Uses and sources reconcile at $823,275.33 each. Not a Closing Disclosure.