Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$234,053Cash toward the purchase price.
Closing costs + prepaids$18,891Not just lender fees.
Before credits & paid funds$252,944The complete starting cash picture.
Estimated remaining funds due at closing
$252,944No 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$18,890.73
Total buyer cash needed$252,943.92
Remaining funds due$252,943.92
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)$958.75
Initial HOA (3 months)$438.00
Prepaid interest, first (10 days)$461.24
Fees + prepaids$18,890.73
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. $252,943.92 is due at closing. Uses and sources reconcile at $817,890.73 each. Not a Closing Disclosure.