Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$233,836Cash toward the purchase price.
Closing costs + prepaids$18,958Not just lender fees.
Before credits & paid funds$252,794The complete starting cash picture.
Estimated remaining funds due at closing
$252,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,835.67
Your down payment$233,835.67
Closing costs + prepaids$18,958.24
Total buyer cash needed$252,793.91
Remaining funds due$252,793.91
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,780.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,975.00
Prepaid interest, first (2 days)$84.42
Fees + prepaids$18,958.24
Your down payment is the seller’s equity. You take over the $556,164 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $252,793.91 is due at closing. Uses and sources reconcile at $808,958.24 each. Not a Closing Disclosure.