Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$309,843Cash toward the purchase price.
Closing costs + prepaids$21,254Not just lender fees.
Before credits & paid funds$331,097The complete starting cash picture.
Estimated remaining funds due at closing
$331,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,843.24
Your down payment$309,843.24
Closing costs + prepaids$21,253.97
Total buyer cash needed$331,097.22
Remaining funds due$331,097.22
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%)$7,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,449.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,999.50
Initial HOA (3 months)$1,434.00
Prepaid interest, first (23 days)$1,154.69
Fees + prepaids$21,253.97
Your down payment is the seller’s equity. You take over the $489,957 balance, so the rest of the $799,800 price is paid at closing. A second mortgage can cover part of it. $331,097.22 is due at closing. Uses and sources reconcile at $821,053.97 each. Not a Closing Disclosure.