Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$179,118Cash toward the purchase price.
Closing costs + prepaids$20,832Not just lender fees.
Before credits & paid funds$199,949The complete starting cash picture.
Estimated remaining funds due at closing
$199,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,117.83
Your down payment$179,117.83
Closing costs + prepaids$20,831.52
Total buyer cash needed$199,949.35
Remaining funds due$199,949.35
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,054.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,975.00
Prepaid interest, first (23 days)$1,684.11
Fees + prepaids$20,831.52
Your down payment is the seller’s equity. You take over the $610,882 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $199,949.35 is due at closing. Uses and sources reconcile at $810,831.52 each. Not a Closing Disclosure.