Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$186,351Cash toward the purchase price.
Closing costs + prepaids$20,061Not just lender fees.
Before credits & paid funds$206,412The complete starting cash picture.
Estimated remaining funds due at closing
$206,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,350.74
Your down payment$186,350.74
Closing costs + prepaids$20,061.22
Total buyer cash needed$206,411.96
Remaining funds due$206,411.96
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%)$7,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,068.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,461.50
Initial HOA (3 months)$201.00
Prepaid interest, first (22 days)$1,113.22
Fees + prepaids$20,061.22
Your down payment is the seller’s equity. You take over the $613,599 balance, so the rest of the $799,950 price is paid at closing. A second mortgage can cover part of it. $206,411.96 is due at closing. Uses and sources reconcile at $820,011.22 each. Not a Closing Disclosure.