Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$283,662Cash toward the purchase price.
Closing costs + prepaids$21,392Not just lender fees.
Before credits & paid funds$305,054The complete starting cash picture.
Estimated remaining funds due at closing
$305,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,662.48
Your down payment$283,662.48
Closing costs + prepaids$21,391.66
Total buyer cash needed$305,054.14
Remaining funds due$305,054.14
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,576.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,597.25
Initial HOA (3 months)$294.00
Prepaid interest, first (31 days)$1,715.72
Fees + prepaids$21,391.66
Your down payment is the seller’s equity. You take over the $515,338 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $305,054.14 is due at closing. Uses and sources reconcile at $820,391.66 each. Not a Closing Disclosure.