Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$111,595Cash toward the purchase price.
Closing costs + prepaids$22,564Not just lender fees.
Before credits & paid funds$134,159The complete starting cash picture.
Estimated remaining funds due at closing
$134,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,594.89
Your down payment$111,594.89
Closing costs + prepaids$22,564.10
Total buyer cash needed$134,159.00
Remaining funds due$134,159.00
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%)$3,441.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,159.50
Prepaid interest, first (29 days)$3,746.08
Fees + prepaids$22,564.10
Your down payment is the seller’s equity. You take over the $688,305 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $134,159.00 is due at closing. Uses and sources reconcile at $822,464.10 each. Not a Closing Disclosure.