Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$216,172Cash toward the purchase price.
Closing costs + prepaids$18,874Not just lender fees.
Before credits & paid funds$235,046The complete starting cash picture.
Estimated remaining funds due at closing
$235,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,171.71
Your down payment$216,171.71
Closing costs + prepaids$18,873.85
Total buyer cash needed$235,045.55
Remaining funds due$235,045.55
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%)$2,914.14
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)$43.74
Prepaid interest, first (17 days)$749.21
Fees + prepaids$18,873.85
Your down payment is the seller’s equity. You take over the $582,828 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $235,045.55 is due at closing. Uses and sources reconcile at $817,873.85 each. Not a Closing Disclosure.