Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$234,053Cash toward the purchase price.
Closing costs + prepaids$19,470Not just lender fees.
Before credits & paid funds$253,523The complete starting cash picture.
Estimated remaining funds due at closing
$253,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,053.19
Your down payment$234,053.19
Closing costs + prepaids$19,470.22
Total buyer cash needed$253,523.41
Remaining funds due$253,523.41
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,824.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,077.00
Initial HOA (3 months)$438.00
Prepaid interest, first (20 days)$922.49
Fees + prepaids$19,470.22
Your down payment is the seller’s equity. You take over the $564,947 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $253,523.41 is due at closing. Uses and sources reconcile at $818,470.22 each. Not a Closing Disclosure.