Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$228,021Cash toward the purchase price.
Closing costs + prepaids$17,907Not just lender fees.
Before credits & paid funds$245,928The complete starting cash picture.
Estimated remaining funds due at closing
$245,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,020.70
Your down payment$228,020.70
Closing costs + prepaids$17,906.98
Total buyer cash needed$245,927.68
Remaining funds due$245,927.68
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,859.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$648.50
Initial HOA (3 months)$82.50
Prepaid interest, first (1 days)$98.10
Fees + prepaids$17,906.98
Your down payment is the seller’s equity. You take over the $571,978 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $245,927.68 is due at closing. Uses and sources reconcile at $817,905.98 each. Not a Closing Disclosure.