Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$64,319Cash toward the purchase price.
Closing costs + prepaids$22,132Not just lender fees.
Before credits & paid funds$86,450The complete starting cash picture.
Estimated remaining funds due at closing
$86,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,318.59
Your down payment$64,318.59
Closing costs + prepaids$22,131.79
Total buyer cash needed$86,450.38
Remaining funds due$86,450.38
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%)$3,677.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$819.75
Prepaid interest, first (27 days)$3,417.13
Fees + prepaids$22,131.79
Your down payment is the seller’s equity. You take over the $735,581 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $86,450.38 is due at closing. Uses and sources reconcile at $822,031.79 each. Not a Closing Disclosure.