Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$103,559Cash toward the purchase price.
Closing costs + prepaids$20,476Not just lender fees.
Before credits & paid funds$124,036The complete starting cash picture.
Estimated remaining funds due at closing
$124,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,559.15
Your down payment$103,559.15
Closing costs + prepaids$20,476.37
Total buyer cash needed$124,035.52
Remaining funds due$124,035.52
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%)$7,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,431.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$987.50
Initial HOA (3 months)$24.99
Prepaid interest, first (15 days)$1,915.17
Fees + prepaids$20,476.37
Your down payment is the seller’s equity. You take over the $686,341 balance, so the rest of the $789,900 price is paid at closing. A second mortgage can cover part of it. $124,035.52 is due at closing. Uses and sources reconcile at $810,376.37 each. Not a Closing Disclosure.