Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$169,120Cash toward the purchase price.
Closing costs + prepaids$21,698Not just lender fees.
Before credits & paid funds$190,818The complete starting cash picture.
Estimated remaining funds due at closing
$190,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,119.89
Your down payment$169,119.89
Closing costs + prepaids$21,698.21
Total buyer cash needed$190,818.10
Remaining funds due$190,818.10
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%)$3,149.40
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)$405.00
Prepaid interest, first (27 days)$1,938.31
Fees + prepaids$21,698.21
Your down payment is the seller’s equity. You take over the $629,880 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $190,818.10 is due at closing. Uses and sources reconcile at $820,698.21 each. Not a Closing Disclosure.