Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,127Cash toward the purchase price.
Closing costs + prepaids$22,446Not just lender fees.
Before credits & paid funds$112,573The complete starting cash picture.
Estimated remaining funds due at closing
$112,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,126.53
Your down payment$90,126.53
Closing costs + prepaids$22,446.12
Total buyer cash needed$112,572.66
Remaining funds due$112,572.66
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%)$8,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,549.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$995.00
Prepaid interest, first (31 days)$3,683.76
Fees + prepaids$22,446.12
Your down payment is the seller’s equity. You take over the $709,873 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $112,572.66 is due at closing. Uses and sources reconcile at $822,446.12 each. Not a Closing Disclosure.