Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$53,827Cash toward the purchase price.
Closing costs + prepaids$23,699Not just lender fees.
Before credits & paid funds$77,527The complete starting cash picture.
Estimated remaining funds due at closing
$77,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,827.23
Your down payment$53,827.23
Closing costs + prepaids$23,699.29
Total buyer cash needed$77,526.52
Remaining funds due$77,526.52
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,725.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,533.25
Prepaid interest, first (30 days)$4,232.17
Fees + prepaids$23,699.29
Your down payment is the seller’s equity. You take over the $745,173 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $77,526.52 is due at closing. Uses and sources reconcile at $822,699.29 each. Not a Closing Disclosure.