Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$100,314Cash toward the purchase price.
Closing costs + prepaids$21,306Not just lender fees.
Before credits & paid funds$121,620The complete starting cash picture.
Estimated remaining funds due at closing
$121,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,314.14
Your down payment$100,314.14
Closing costs + prepaids$21,306.29
Total buyer cash needed$121,620.43
Remaining funds due$121,620.43
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%)$3,493.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Prepaid interest, first (27 days)$1,607.36
Fees + prepaids$21,306.29
Your down payment is the seller’s equity. You take over the $698,686 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $121,620.43 is due at closing. Uses and sources reconcile at $820,306.29 each. Not a Closing Disclosure.