Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$260,245Cash toward the purchase price.
Closing costs + prepaids$22,596Not just lender fees.
Before credits & paid funds$282,840The complete starting cash picture.
Estimated remaining funds due at closing
$282,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,244.60
Your down payment$260,244.60
Closing costs + prepaids$22,595.65
Total buyer cash needed$282,840.24
Remaining funds due$282,840.24
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%)$2,698.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Initial HOA (3 months)$960.00
Prepaid interest, first (29 days)$2,718.88
Fees + prepaids$22,595.65
Your down payment is the seller’s equity. You take over the $539,754 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $282,840.24 is due at closing. Uses and sources reconcile at $822,594.65 each. Not a Closing Disclosure.