Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$768,929Cash toward the purchase price.
Closing costs + prepaids$15,385Not just lender fees.
Before credits & paid funds$784,314The complete starting cash picture.
Estimated remaining funds due at closing
$784,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$768,929.30
Your down payment$768,929.30
Closing costs + prepaids$15,384.92
Total buyer cash needed$784,314.22
Remaining funds due$784,314.22
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%)$150.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$958.75
Prepaid interest, first (12 days)$67.82
Fees + prepaids$15,384.92
Your down payment is the seller’s equity. You take over the $30,071 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $784,314.22 is due at closing. Uses and sources reconcile at $814,384.92 each. Not a Closing Disclosure.