Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$257,562Cash toward the purchase price.
Closing costs + prepaids$17,443Not just lender fees.
Before credits & paid funds$275,005The complete starting cash picture.
Estimated remaining funds due at closing
$275,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,561.88
Your down payment$257,561.88
Closing costs + prepaids$17,443.08
Total buyer cash needed$275,004.95
Remaining funds due$275,004.95
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%)$2,711.69
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 (1 days)$96.14
Fees + prepaids$17,443.08
Your down payment is the seller’s equity. You take over the $542,338 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $275,004.95 is due at closing. Uses and sources reconcile at $817,343.08 each. Not a Closing Disclosure.