Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$270,938Cash toward the purchase price.
Closing costs + prepaids$19,925Not just lender fees.
Before credits & paid funds$290,864The complete starting cash picture.
Estimated remaining funds due at closing
$290,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,938.30
Your down payment$270,938.30
Closing costs + prepaids$19,925.37
Total buyer cash needed$290,863.67
Remaining funds due$290,863.67
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%)$2,640.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Prepaid interest, first (26 days)$1,079.56
Fees + prepaids$19,925.37
Your down payment is the seller’s equity. You take over the $528,062 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $290,863.67 is due at closing. Uses and sources reconcile at $818,925.37 each. Not a Closing Disclosure.