Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$86,967Cash toward the purchase price.
Closing costs + prepaids$21,328Not just lender fees.
Before credits & paid funds$108,295The complete starting cash picture.
Estimated remaining funds due at closing
$108,295No 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$21,328.29
Total buyer cash needed$108,295.03
Remaining funds due$108,295.03
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)$1,000.00
Initial HOA (3 months)$187.50
Prepaid interest, first (18 days)$2,359.13
Fees + prepaids$21,328.29
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. $108,295.03 is due at closing. Uses and sources reconcile at $821,228.29 each. Not a Closing Disclosure.