Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$159,760Cash toward the purchase price.
Closing costs + prepaids$20,013Not just lender fees.
Before credits & paid funds$179,774The complete starting cash picture.
Estimated remaining funds due at closing
$179,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,760.42
Your down payment$159,760.42
Closing costs + prepaids$20,013.08
Total buyer cash needed$179,773.51
Remaining funds due$179,773.51
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%)$7,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,201.15
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)$429.00
Prepaid interest, first (10 days)$1,205.03
Fees + prepaids$20,013.08
Your down payment is the seller’s equity. You take over the $640,230 balance, so the rest of the $799,990 price is paid at closing. A second mortgage can cover part of it. $179,773.51 is due at closing. Uses and sources reconcile at $820,003.08 each. Not a Closing Disclosure.