Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$93,150Cash toward the purchase price.
Closing costs + prepaids$22,571Not just lender fees.
Before credits & paid funds$115,720The complete starting cash picture.
Estimated remaining funds due at closing
$115,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,149.55
Your down payment$93,149.55
Closing costs + prepaids$22,570.85
Total buyer cash needed$115,720.40
Remaining funds due$115,720.40
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,533.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,140.50
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$3,544.60
Fees + prepaids$22,570.85
Your down payment is the seller’s equity. You take over the $706,750 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $115,720.40 is due at closing. Uses and sources reconcile at $822,470.85 each. Not a Closing Disclosure.