Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$222,389Cash toward the purchase price.
Closing costs + prepaids$17,688Not just lender fees.
Before credits & paid funds$240,077The complete starting cash picture.
Estimated remaining funds due at closing
$240,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,389.30
Your down payment$222,389.30
Closing costs + prepaids$17,687.98
Total buyer cash needed$240,077.28
Remaining funds due$240,077.28
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%)$7,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,783.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$722.75
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$84.18
Fees + prepaids$17,687.98
Your down payment is the seller’s equity. You take over the $556,611 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $240,077.28 is due at closing. Uses and sources reconcile at $796,687.98 each. Not a Closing Disclosure.