Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$208,091Cash toward the purchase price.
Closing costs + prepaids$19,638Not just lender fees.
Before credits & paid funds$227,729The complete starting cash picture.
Estimated remaining funds due at closing
$227,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,091.07
Your down payment$208,091.07
Closing costs + prepaids$19,637.99
Total buyer cash needed$227,729.06
Remaining funds due$227,729.06
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%)$7,979.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,949.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$997.50
Initial HOA (3 months)$150.00
Prepaid interest, first (16 days)$1,344.44
Fees + prepaids$19,637.99
Your down payment is the seller’s equity. You take over the $589,809 balance, so the rest of the $797,900 price is paid at closing. A second mortgage can cover part of it. $227,729.06 is due at closing. Uses and sources reconcile at $817,537.99 each. Not a Closing Disclosure.