Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$258,136Cash toward the purchase price.
Closing costs + prepaids$19,649Not just lender fees.
Before credits & paid funds$277,785The complete starting cash picture.
Estimated remaining funds due at closing
$277,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,136.30
Your down payment$258,136.30
Closing costs + prepaids$19,648.86
Total buyer cash needed$277,785.16
Remaining funds due$277,785.16
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%)$2,708.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$418.25
Prepaid interest, first (24 days)$2,304.80
Fees + prepaids$19,648.86
Your down payment is the seller’s equity. You take over the $541,764 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $277,785.16 is due at closing. Uses and sources reconcile at $819,548.86 each. Not a Closing Disclosure.