Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$306,256Cash toward the purchase price.
Closing costs + prepaids$17,512Not just lender fees.
Before credits & paid funds$323,768The complete starting cash picture.
Estimated remaining funds due at closing
$323,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,256.29
Your down payment$306,256.29
Closing costs + prepaids$17,511.86
Total buyer cash needed$323,768.15
Remaining funds due$323,768.15
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%)$7,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,416.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$814.50
Prepaid interest, first (2 days)$168.14
Fees + prepaids$17,511.86
Your down payment is the seller’s equity. You take over the $483,244 balance, so the rest of the $789,500 price is paid at closing. A second mortgage can cover part of it. $323,768.15 is due at closing. Uses and sources reconcile at $807,011.86 each. Not a Closing Disclosure.