Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$140,587Cash toward the purchase price.
Closing costs + prepaids$21,709Not just lender fees.
Before credits & paid funds$162,296The complete starting cash picture.
Estimated remaining funds due at closing
$162,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,586.92
Your down payment$140,586.92
Closing costs + prepaids$21,709.36
Total buyer cash needed$162,296.28
Remaining funds due$162,296.28
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%)$7,949.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,272.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$745.75
Initial HOA (3 months)$261.00
Prepaid interest, first (27 days)$3,262.69
Fees + prepaids$21,709.36
Your down payment is the seller’s equity. You take over the $654,403 balance, so the rest of the $794,990 price is paid at closing. A second mortgage can cover part of it. $162,296.28 is due at closing. Uses and sources reconcile at $816,699.36 each. Not a Closing Disclosure.