Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$90,127Cash toward the purchase price.
Closing costs + prepaids$20,153Not just lender fees.
Before credits & paid funds$110,280The complete starting cash picture.
Estimated remaining funds due at closing
$110,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,126.53
Your down payment$90,126.53
Closing costs + prepaids$20,153.34
Total buyer cash needed$110,279.87
Remaining funds due$110,279.87
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%)$3,549.37
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)$1,425.97
Fees + prepaids$20,153.34
Your down payment is the seller’s equity. You take over the $709,873 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $110,279.87 is due at closing. Uses and sources reconcile at $820,153.34 each. Not a Closing Disclosure.