Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$285,440Cash toward the purchase price.
Closing costs + prepaids$19,819Not just lender fees.
Before credits & paid funds$305,259The complete starting cash picture.
Estimated remaining funds due at closing
$305,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,440.03
Your down payment$285,440.03
Closing costs + prepaids$19,819.03
Total buyer cash needed$305,259.06
Remaining funds due$305,259.06
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,547.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,987.50
Prepaid interest, first (24 days)$1,115.73
Fees + prepaids$19,819.03
Your down payment is the seller’s equity. You take over the $509,560 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $305,259.06 is due at closing. Uses and sources reconcile at $814,819.03 each. Not a Closing Disclosure.