Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$100,401Cash toward the purchase price.
Closing costs + prepaids$19,773Not just lender fees.
Before credits & paid funds$120,174The complete starting cash picture.
Estimated remaining funds due at closing
$120,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,400.65
Your down payment$100,400.65
Closing costs + prepaids$19,773.10
Total buyer cash needed$120,173.75
Remaining funds due$120,173.75
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,497.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Prepaid interest, first (1 days)$57.12
Fees + prepaids$19,773.10
Your down payment is the seller’s equity. You take over the $699,598 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $120,173.75 is due at closing. Uses and sources reconcile at $819,772.10 each. Not a Closing Disclosure.