Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,771Cash toward the purchase price.
Closing costs + prepaids$18,640Not just lender fees.
Before credits & paid funds$115,411The complete starting cash picture.
Estimated remaining funds due at closing
$115,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,770.76
Your down payment$96,770.76
Closing costs + prepaids$18,639.79
Total buyer cash needed$115,410.55
Remaining funds due$115,410.55
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%)$8,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,516.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$591.00
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$119.65
Fees + prepaids$18,639.79
Your down payment is the seller’s equity. You take over the $703,229 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $115,410.55 is due at closing. Uses and sources reconcile at $818,639.79 each. Not a Closing Disclosure.