Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$231,581Cash toward the purchase price.
Closing costs + prepaids$19,029Not just lender fees.
Before credits & paid funds$250,610The complete starting cash picture.
Estimated remaining funds due at closing
$250,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,581.11
Your down payment$231,581.11
Closing costs + prepaids$19,028.88
Total buyer cash needed$250,609.98
Remaining funds due$250,609.98
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%)$2,837.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,783.75
Initial HOA (3 months)$108.00
Prepaid interest, first (2 days)$92.03
Fees + prepaids$19,028.88
Your down payment is the seller’s equity. You take over the $567,419 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $250,609.98 is due at closing. Uses and sources reconcile at $818,028.88 each. Not a Closing Disclosure.