Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$308,480Cash toward the purchase price.
Closing costs + prepaids$20,207Not just lender fees.
Before credits & paid funds$328,687The complete starting cash picture.
Estimated remaining funds due at closing
$328,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,480.28
Your down payment$308,480.28
Closing costs + prepaids$20,206.79
Total buyer cash needed$328,687.06
Remaining funds due$328,687.06
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%)$7,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,456.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,999.50
Initial HOA (3 months)$1,434.00
Prepaid interest, first (2 days)$100.69
Fees + prepaids$20,206.79
Your down payment is the seller’s equity. You take over the $491,320 balance, so the rest of the $799,800 price is paid at closing. A second mortgage can cover part of it. $328,687.06 is due at closing. Uses and sources reconcile at $820,006.79 each. Not a Closing Disclosure.