Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,602Cash toward the purchase price.
Closing costs + prepaids$22,715Not just lender fees.
Before credits & paid funds$48,317The complete starting cash picture.
Estimated remaining funds due at closing
$48,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,601.97
Your down payment$25,601.97
Closing costs + prepaids$22,715.03
Total buyer cash needed$48,317.00
Remaining funds due$48,317.00
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,871.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$607.75
Initial HOA (3 months)$198.00
Prepaid interest, first (31 days)$3,820.79
Fees + prepaids$22,715.03
Your down payment is the seller’s equity. You take over the $774,298 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $48,317.00 is due at closing. Uses and sources reconcile at $822,615.03 each. Not a Closing Disclosure.