Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$550,299Cash toward the purchase price.
Closing costs + prepaids$17,001Not just lender fees.
Before credits & paid funds$567,300The complete starting cash picture.
Estimated remaining funds due at closing
$567,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$550,299.01
Your down payment$550,299.01
Closing costs + prepaids$17,001.38
Total buyer cash needed$567,300.39
Remaining funds due$567,300.39
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%)$7,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,246.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,516.50
Prepaid interest, first (1 days)$25.88
Fees + prepaids$17,001.38
Your down payment is the seller’s equity. You take over the $249,201 balance, so the rest of the $799,500 price is paid at closing. A second mortgage can cover part of it. $567,300.39 is due at closing. Uses and sources reconcile at $816,501.38 each. Not a Closing Disclosure.