Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$250,373Cash toward the purchase price.
Closing costs + prepaids$20,993Not just lender fees.
Before credits & paid funds$271,366The complete starting cash picture.
Estimated remaining funds due at closing
$271,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,372.57
Your down payment$250,372.57
Closing costs + prepaids$20,993.13
Total buyer cash needed$271,365.69
Remaining funds due$271,365.69
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,823.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$751.75
Initial HOA (3 months)$405.00
Prepaid interest, first (30 days)$2,645.24
Fees + prepaids$20,993.13
Your down payment is the seller’s equity. You take over the $564,627 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $271,365.69 is due at closing. Uses and sources reconcile at $835,993.13 each. Not a Closing Disclosure.