Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$207,688Cash toward the purchase price.
Closing costs + prepaids$20,858Not just lender fees.
Before credits & paid funds$228,545The complete starting cash picture.
Estimated remaining funds due at closing
$228,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,687.71
Your down payment$207,687.71
Closing costs + prepaids$20,857.71
Total buyer cash needed$228,545.43
Remaining funds due$228,545.43
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%)$7,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,951.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,995.00
Initial HOA (3 months)$255.00
Prepaid interest, first (23 days)$1,458.15
Fees + prepaids$20,857.71
Your down payment is the seller’s equity. You take over the $590,312 balance, so the rest of the $798,000 price is paid at closing. A second mortgage can cover part of it. $228,545.43 is due at closing. Uses and sources reconcile at $818,857.71 each. Not a Closing Disclosure.