Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$92,225Cash toward the purchase price.
Closing costs + prepaids$20,433Not just lender fees.
Before credits & paid funds$112,658The complete starting cash picture.
Estimated remaining funds due at closing
$112,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,224.83
Your down payment$92,224.83
Closing costs + prepaids$20,433.22
Total buyer cash needed$112,658.05
Remaining funds due$112,658.05
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,538.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,000.00
Prepaid interest, first (13 days)$1,676.36
Fees + prepaids$20,433.22
Your down payment is the seller’s equity. You take over the $707,774 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $112,658.05 is due at closing. Uses and sources reconcile at $820,432.22 each. Not a Closing Disclosure.