Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$105,716Cash toward the purchase price.
Closing costs + prepaids$24,924Not just lender fees.
Before credits & paid funds$130,639The complete starting cash picture.
Estimated remaining funds due at closing
$130,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,715.61
Your down payment$105,715.61
Closing costs + prepaids$24,923.82
Total buyer cash needed$130,639.44
Remaining funds due$130,639.44
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%)$8,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,495.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,134.75
Prepaid interest, first (31 days)$4,026.15
Fees + prepaids$24,923.82
Your down payment is the seller’s equity. You take over the $699,184 balance, so the rest of the $804,900 price is paid at closing. A second mortgage can cover part of it. $130,639.44 is due at closing. Uses and sources reconcile at $829,823.82 each. Not a Closing Disclosure.