Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$111,445Cash toward the purchase price.
Closing costs + prepaids$21,232Not just lender fees.
Before credits & paid funds$132,677The complete starting cash picture.
Estimated remaining funds due at closing
$132,677No 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$21,231.55
Total buyer cash needed$132,676.65
Remaining funds due$132,676.65
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)$998.75
Initial HOA (3 months)$420.00
Prepaid interest, first (16 days)$2,167.02
Fees + prepaids$21,231.55
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. $132,676.65 is due at closing. Uses and sources reconcile at $820,231.55 each. Not a Closing Disclosure.