Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$200,006Cash toward the purchase price.
Closing costs + prepaids$19,522Not just lender fees.
Before credits & paid funds$219,528The complete starting cash picture.
Estimated remaining funds due at closing
$219,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,006.50
Your down payment$200,006.50
Closing costs + prepaids$19,521.76
Total buyer cash needed$219,528.26
Remaining funds due$219,528.26
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%)$2,999.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$960.00
Initial HOA (3 months)$300.00
Prepaid interest, first (12 days)$1,045.29
Fees + prepaids$19,521.76
Your down payment is the seller’s equity. You take over the $599,894 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $219,528.26 is due at closing. Uses and sources reconcile at $819,421.76 each. Not a Closing Disclosure.