Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$307,755Cash toward the purchase price.
Closing costs + prepaids$22,890Not just lender fees.
Before credits & paid funds$330,646The complete starting cash picture.
Estimated remaining funds due at closing
$330,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,755.34
Your down payment$307,755.34
Closing costs + prepaids$22,890.31
Total buyer cash needed$330,645.65
Remaining funds due$330,645.65
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,460.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,837.25
Initial HOA (3 months)$1,560.00
Prepaid interest, first (30 days)$2,815.34
Fees + prepaids$22,890.31
Your down payment is the seller’s equity. You take over the $492,145 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $330,645.65 is due at closing. Uses and sources reconcile at $822,790.31 each. Not a Closing Disclosure.