Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$111,445Cash toward the purchase price.
Closing costs + prepaids$22,467Not just lender fees.
Before credits & paid funds$133,912The complete starting cash picture.
Estimated remaining funds due at closing
$133,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,445.10
Your down payment$111,445.10
Closing costs + prepaids$22,466.62
Total buyer cash needed$133,911.73
Remaining funds due$133,911.73
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,437.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$744.00
Initial HOA (3 months)$420.00
Prepaid interest, first (27 days)$3,656.85
Fees + prepaids$22,466.62
Your down payment is the seller’s equity. You take over the $687,555 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $133,911.73 is due at closing. Uses and sources reconcile at $821,466.62 each. Not a Closing Disclosure.