Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$216,973Cash toward the purchase price.
Closing costs + prepaids$21,576Not just lender fees.
Before credits & paid funds$238,549The complete starting cash picture.
Estimated remaining funds due at closing
$238,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,973.09
Your down payment$216,973.09
Closing costs + prepaids$21,575.77
Total buyer cash needed$238,548.86
Remaining funds due$238,548.86
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%)$2,910.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Prepaid interest, first (28 days)$2,460.14
Fees + prepaids$21,575.77
Your down payment is the seller’s equity. You take over the $582,027 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $238,548.86 is due at closing. Uses and sources reconcile at $820,575.77 each. Not a Closing Disclosure.