Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$279,281Cash toward the purchase price.
Closing costs + prepaids$21,922Not just lender fees.
Before credits & paid funds$301,203The complete starting cash picture.
Estimated remaining funds due at closing
$301,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,280.64
Your down payment$279,280.64
Closing costs + prepaids$21,922.37
Total buyer cash needed$301,203.01
Remaining funds due$301,203.01
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,598.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Initial HOA (3 months)$1,941.00
Prepaid interest, first (26 days)$1,177.27
Fees + prepaids$21,922.37
Your down payment is the seller’s equity. You take over the $519,719 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $301,203.01 is due at closing. Uses and sources reconcile at $820,922.37 each. Not a Closing Disclosure.