Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$10,161Cash toward the purchase price.
Closing costs + prepaids$20,536Not just lender fees.
Before credits & paid funds$30,697The complete starting cash picture.
Estimated remaining funds due at closing
$30,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,160.91
Your down payment$10,160.91
Closing costs + prepaids$20,536.16
Total buyer cash needed$30,697.08
Remaining funds due$30,697.08
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%)$3,944.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,065.00
Initial HOA (3 months)$38.01
Prepaid interest, first (2 days)$280.96
Fees + prepaids$20,536.16
Your down payment is the seller’s equity. You take over the $788,839 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $30,697.08 is due at closing. Uses and sources reconcile at $819,536.16 each. Not a Closing Disclosure.