Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$270,408Cash toward the purchase price.
Closing costs + prepaids$18,602Not just lender fees.
Before credits & paid funds$289,010The complete starting cash picture.
Estimated remaining funds due at closing
$289,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,407.76
Your down payment$270,407.76
Closing costs + prepaids$18,602.39
Total buyer cash needed$289,010.15
Remaining funds due$289,010.15
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,647.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$625.75
Initial HOA (3 months)$82.50
Prepaid interest, first (26 days)$1,029.68
Fees + prepaids$18,602.39
Your down payment is the seller’s equity. You take over the $529,492 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $289,010.15 is due at closing. Uses and sources reconcile at $818,502.39 each. Not a Closing Disclosure.