Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$62,623Cash toward the purchase price.
Closing costs + prepaids$19,033Not just lender fees.
Before credits & paid funds$81,656The complete starting cash picture.
Estimated remaining funds due at closing
$81,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,623.38
Your down payment$62,623.38
Closing costs + prepaids$19,032.65
Total buyer cash needed$81,656.03
Remaining funds due$81,656.03
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,681.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$962.00
Prepaid interest, first (2 days)$180.77
Fees + prepaids$19,032.65
Your down payment is the seller’s equity. You take over the $736,377 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $81,656.03 is due at closing. Uses and sources reconcile at $818,032.65 each. Not a Closing Disclosure.