Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$192,422Cash toward the purchase price.
Closing costs + prepaids$19,564Not just lender fees.
Before credits & paid funds$211,987The complete starting cash picture.
Estimated remaining funds due at closing
$211,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,422.45
Your down payment$192,422.45
Closing costs + prepaids$19,564.49
Total buyer cash needed$211,986.94
Remaining funds due$211,986.94
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%)$3,037.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$960.00
Prepaid interest, first (12 days)$1,350.10
Fees + prepaids$19,564.49
Your down payment is the seller’s equity. You take over the $607,478 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $211,986.94 is due at closing. Uses and sources reconcile at $819,464.49 each. Not a Closing Disclosure.