Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$169,397Cash toward the purchase price.
Closing costs + prepaids$21,827Not just lender fees.
Before credits & paid funds$191,224The complete starting cash picture.
Estimated remaining funds due at closing
$191,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,397.23
Your down payment$169,397.23
Closing costs + prepaids$21,827.06
Total buyer cash needed$191,224.29
Remaining funds due$191,224.29
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,128.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,987.50
Prepaid interest, first (28 days)$2,543.55
Fees + prepaids$21,827.06
Your down payment is the seller’s equity. You take over the $625,603 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $191,224.29 is due at closing. Uses and sources reconcile at $816,827.06 each. Not a Closing Disclosure.