Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$225,529Cash toward the purchase price.
Closing costs + prepaids$17,937Not just lender fees.
Before credits & paid funds$243,465The complete starting cash picture.
Estimated remaining funds due at closing
$243,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,528.51
Your down payment$225,528.51
Closing costs + prepaids$17,936.80
Total buyer cash needed$243,465.31
Remaining funds due$243,465.31
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%)$2,871.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$629.00
Initial HOA (3 months)$119.49
Prepaid interest, first (1 days)$99.45
Fees + prepaids$17,936.80
Your down payment is the seller’s equity. You take over the $574,371 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $243,465.31 is due at closing. Uses and sources reconcile at $817,836.80 each. Not a Closing Disclosure.