Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$58,477Cash toward the purchase price.
Closing costs + prepaids$23,804Not just lender fees.
Before credits & paid funds$82,281The complete starting cash picture.
Estimated remaining funds due at closing
$82,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,477.06
Your down payment$58,477.06
Closing costs + prepaids$23,803.61
Total buyer cash needed$82,280.67
Remaining funds due$82,280.67
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%)$3,702.61
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)$750.00
Prepaid interest, first (24 days)$3,145.50
Fees + prepaids$23,803.61
Your down payment is the seller’s equity. You take over the $740,523 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $82,280.67 is due at closing. Uses and sources reconcile at $822,803.61 each. Not a Closing Disclosure.