Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$260,914Cash toward the purchase price.
Closing costs + prepaids$19,947Not just lender fees.
Before credits & paid funds$280,861The complete starting cash picture.
Estimated remaining funds due at closing
$280,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,914.03
Your down payment$260,914.03
Closing costs + prepaids$19,947.28
Total buyer cash needed$280,861.31
Remaining funds due$280,861.31
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%)$2,695.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Prepaid interest, first (25 days)$1,033.86
Fees + prepaids$19,947.28
Your down payment is the seller’s equity. You take over the $539,085 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $280,861.31 is due at closing. Uses and sources reconcile at $819,946.28 each. Not a Closing Disclosure.