Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$63,901Cash toward the purchase price.
Closing costs + prepaids$19,474Not just lender fees.
Before credits & paid funds$83,375The complete starting cash picture.
Estimated remaining funds due at closing
$83,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,901.44
Your down payment$63,901.44
Closing costs + prepaids$19,473.82
Total buyer cash needed$83,375.27
Remaining funds due$83,375.27
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%)$3,675.49
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 (7 days)$631.58
Fees + prepaids$19,473.82
Your down payment is the seller’s equity. You take over the $735,099 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $83,375.27 is due at closing. Uses and sources reconcile at $818,473.82 each. Not a Closing Disclosure.