Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$236,387Cash toward the purchase price.
Closing costs + prepaids$22,188Not just lender fees.
Before credits & paid funds$258,575The complete starting cash picture.
Estimated remaining funds due at closing
$258,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,387.10
Your down payment$236,387.10
Closing costs + prepaids$22,187.65
Total buyer cash needed$258,574.74
Remaining funds due$258,574.74
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%)$7,988.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,812.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.25
Initial HOA (3 months)$2,175.00
Prepaid interest, first (23 days)$996.01
Fees + prepaids$22,187.65
Your down payment is the seller’s equity. You take over the $562,501 balance, so the rest of the $798,888 price is paid at closing. A second mortgage can cover part of it. $258,574.74 is due at closing. Uses and sources reconcile at $821,075.65 each. Not a Closing Disclosure.