Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$228,593Cash toward the purchase price.
Closing costs + prepaids$20,452Not just lender fees.
Before credits & paid funds$249,045The complete starting cash picture.
Estimated remaining funds due at closing
$249,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,593.33
Your down payment$228,593.33
Closing costs + prepaids$20,452.02
Total buyer cash needed$249,045.34
Remaining funds due$249,045.34
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,857.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$648.50
Initial HOA (3 months)$82.50
Prepaid interest, first (27 days)$2,646.00
Fees + prepaids$20,452.02
Your down payment is the seller’s equity. You take over the $571,406 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $249,045.34 is due at closing. Uses and sources reconcile at $820,451.02 each. Not a Closing Disclosure.