Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$235,014Cash toward the purchase price.
Closing costs + prepaids$21,242Not just lender fees.
Before credits & paid funds$256,255The complete starting cash picture.
Estimated remaining funds due at closing
$256,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,013.54
Your down payment$235,013.54
Closing costs + prepaids$21,241.91
Total buyer cash needed$256,255.46
Remaining funds due$256,255.46
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%)$7,988.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,819.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.25
Initial HOA (3 months)$2,175.00
Prepaid interest, first (1 days)$43.41
Fees + prepaids$21,241.91
Your down payment is the seller’s equity. You take over the $563,874 balance, so the rest of the $798,888 price is paid at closing. A second mortgage can cover part of it. $256,255.46 is due at closing. Uses and sources reconcile at $820,129.91 each. Not a Closing Disclosure.