Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$521,454Cash toward the purchase price.
Closing costs + prepaids$18,163Not just lender fees.
Before credits & paid funds$539,617The complete starting cash picture.
Estimated remaining funds due at closing
$539,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$521,453.99
Your down payment$521,453.99
Closing costs + prepaids$18,163.28
Total buyer cash needed$539,617.27
Remaining funds due$539,617.27
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,367.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,035.75
Initial HOA (3 months)$534.99
Prepaid interest, first (2 days)$56.81
Fees + prepaids$18,163.28
Your down payment is the seller’s equity. You take over the $273,546 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $539,617.27 is due at closing. Uses and sources reconcile at $813,163.28 each. Not a Closing Disclosure.