Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$86,967Cash toward the purchase price.
Closing costs + prepaids$22,444Not just lender fees.
Before credits & paid funds$109,411The complete starting cash picture.
Estimated remaining funds due at closing
$109,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,966.74
Your down payment$86,966.74
Closing costs + prepaids$22,443.92
Total buyer cash needed$109,410.66
Remaining funds due$109,410.66
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%)$3,564.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$805.00
Initial HOA (3 months)$187.50
Prepaid interest, first (28 days)$3,669.75
Fees + prepaids$22,443.92
Your down payment is the seller’s equity. You take over the $712,933 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $109,410.66 is due at closing. Uses and sources reconcile at $822,343.92 each. Not a Closing Disclosure.