Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$274,877Cash toward the purchase price.
Closing costs + prepaids$20,501Not just lender fees.
Before credits & paid funds$295,377The complete starting cash picture.
Estimated remaining funds due at closing
$295,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,876.56
Your down payment$274,876.56
Closing costs + prepaids$20,500.84
Total buyer cash needed$295,377.39
Remaining funds due$295,377.39
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%)$2,625.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,580.75
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$1,747.97
Fees + prepaids$20,500.84
Your down payment is the seller’s equity. You take over the $525,023 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $295,377.39 is due at closing. Uses and sources reconcile at $820,400.84 each. Not a Closing Disclosure.