Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$64,769Cash toward the purchase price.
Closing costs + prepaids$24,353Not just lender fees.
Before credits & paid funds$89,122The complete starting cash picture.
Estimated remaining funds due at closing
$89,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,768.52
Your down payment$64,768.52
Closing costs + prepaids$24,353.00
Total buyer cash needed$89,121.52
Remaining funds due$89,121.52
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,675.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,394.50
Initial HOA (3 months)$507.00
Prepaid interest, first (31 days)$3,558.84
Fees + prepaids$24,353.00
Your down payment is the seller’s equity. You take over the $735,131 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $89,121.52 is due at closing. Uses and sources reconcile at $824,253.00 each. Not a Closing Disclosure.