Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$186,306Cash toward the purchase price.
Closing costs + prepaids$18,469Not just lender fees.
Before credits & paid funds$204,776The complete starting cash picture.
Estimated remaining funds due at closing
$204,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,306.46
Your down payment$186,306.46
Closing costs + prepaids$18,469.38
Total buyer cash needed$204,775.83
Remaining funds due$204,775.83
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,068.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,086.75
Prepaid interest, first (2 days)$96.17
Fees + prepaids$18,469.38
Your down payment is the seller’s equity. You take over the $613,693 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $204,775.83 is due at closing. Uses and sources reconcile at $818,468.38 each. Not a Closing Disclosure.