Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$60,888Cash toward the purchase price.
Closing costs + prepaids$23,344Not just lender fees.
Before credits & paid funds$84,232The complete starting cash picture.
Estimated remaining funds due at closing
$84,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,887.77
Your down payment$60,887.77
Closing costs + prepaids$23,344.43
Total buyer cash needed$84,232.19
Remaining funds due$84,232.19
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%)$3,695.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,317.25
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$3,929.12
Fees + prepaids$23,344.43
Your down payment is the seller’s equity. You take over the $739,012 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $84,232.19 is due at closing. Uses and sources reconcile at $823,244.43 each. Not a Closing Disclosure.