Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$81,085Cash toward the purchase price.
Closing costs + prepaids$22,871Not just lender fees.
Before credits & paid funds$103,956The complete starting cash picture.
Estimated remaining funds due at closing
$103,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,084.79
Your down payment$81,084.79
Closing costs + prepaids$22,871.17
Total buyer cash needed$103,955.96
Remaining funds due$103,955.96
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%)$7,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,494.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,608.00
Initial HOA (3 months)$189.00
Prepaid interest, first (30 days)$3,561.60
Fees + prepaids$22,871.17
Your down payment is the seller’s equity. You take over the $698,915 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $103,955.96 is due at closing. Uses and sources reconcile at $802,871.17 each. Not a Closing Disclosure.