Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$232,885Cash toward the purchase price.
Closing costs + prepaids$19,986Not just lender fees.
Before credits & paid funds$252,871The complete starting cash picture.
Estimated remaining funds due at closing
$252,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,884.92
Your down payment$232,884.92
Closing costs + prepaids$19,986.25
Total buyer cash needed$252,871.16
Remaining funds due$252,871.16
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%)$2,830.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,783.75
Initial HOA (3 months)$108.00
Prepaid interest, first (23 days)$1,055.92
Fees + prepaids$19,986.25
Your down payment is the seller’s equity. You take over the $566,115 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $252,871.16 is due at closing. Uses and sources reconcile at $818,986.25 each. Not a Closing Disclosure.