Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$97,477Cash toward the purchase price.
Closing costs + prepaids$19,961Not just lender fees.
Before credits & paid funds$117,438The complete starting cash picture.
Estimated remaining funds due at closing
$117,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,477.03
Your down payment$97,477.03
Closing costs + prepaids$19,961.34
Total buyer cash needed$117,438.37
Remaining funds due$117,438.37
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%)$3,512.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$960.00
Initial HOA (3 months)$195.00
Prepaid interest, first (9 days)$1,075.73
Fees + prepaids$19,961.34
Your down payment is the seller’s equity. You take over the $702,523 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $117,438.37 is due at closing. Uses and sources reconcile at $819,961.34 each. Not a Closing Disclosure.