Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$293,760Cash toward the purchase price.
Closing costs + prepaids$19,825Not just lender fees.
Before credits & paid funds$313,585The complete starting cash picture.
Estimated remaining funds due at closing
$313,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,759.81
Your down payment$293,759.81
Closing costs + prepaids$19,824.90
Total buyer cash needed$313,584.71
Remaining funds due$313,584.71
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%)$2,481.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,729.50
Prepaid interest, first (31 days)$1,496.20
Fees + prepaids$19,824.90
Your down payment is the seller’s equity. You take over the $496,240 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $313,584.71 is due at closing. Uses and sources reconcile at $809,824.90 each. Not a Closing Disclosure.