Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$126,716Cash toward the purchase price.
Closing costs + prepaids$24,677Not just lender fees.
Before credits & paid funds$151,394The complete starting cash picture.
Estimated remaining funds due at closing
$151,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,716.41
Your down payment$126,716.41
Closing costs + prepaids$24,677.13
Total buyer cash needed$151,393.54
Remaining funds due$151,393.54
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%)$3,365.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,197.75
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$3,596.46
Fees + prepaids$24,677.13
Your down payment is the seller’s equity. You take over the $673,184 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $151,393.54 is due at closing. Uses and sources reconcile at $824,577.13 each. Not a Closing Disclosure.