Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$166,805Cash toward the purchase price.
Closing costs + prepaids$21,601Not just lender fees.
Before credits & paid funds$188,406The complete starting cash picture.
Estimated remaining funds due at closing
$188,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,804.95
Your down payment$166,804.95
Closing costs + prepaids$21,600.78
Total buyer cash needed$188,405.74
Remaining funds due$188,405.74
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%)$3,160.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$950.25
Initial HOA (3 months)$494.01
Prepaid interest, first (26 days)$2,787.55
Fees + prepaids$21,600.78
Your down payment is the seller’s equity. You take over the $632,195 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $188,405.74 is due at closing. Uses and sources reconcile at $820,600.78 each. Not a Closing Disclosure.