Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$308,741Cash toward the purchase price.
Closing costs + prepaids$20,180Not just lender fees.
Before credits & paid funds$328,921The complete starting cash picture.
Estimated remaining funds due at closing
$328,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,740.92
Your down payment$308,740.92
Closing costs + prepaids$20,180.43
Total buyer cash needed$328,921.35
Remaining funds due$328,921.35
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%)$7,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,405.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,038.25
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$1,364.38
Fees + prepaids$20,180.43
Your down payment is the seller’s equity. You take over the $481,159 balance, so the rest of the $789,900 price is paid at closing. A second mortgage can cover part of it. $328,921.35 is due at closing. Uses and sources reconcile at $810,080.43 each. Not a Closing Disclosure.