Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$132,744Cash toward the purchase price.
Closing costs + prepaids$18,799Not just lender fees.
Before credits & paid funds$151,543The complete starting cash picture.
Estimated remaining funds due at closing
$151,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,744.19
Your down payment$132,744.19
Closing costs + prepaids$18,798.75
Total buyer cash needed$151,542.93
Remaining funds due$151,542.93
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%)$8,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,336.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,069.00
Initial HOA (3 months)$62.49
Prepaid interest, first (2 days)$112.98
Fees + prepaids$18,798.75
Your down payment is the seller’s equity. You take over the $667,256 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $151,542.93 is due at closing. Uses and sources reconcile at $818,798.75 each. Not a Closing Disclosure.