Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$298,338Cash toward the purchase price.
Closing costs + prepaids$18,086Not just lender fees.
Before credits & paid funds$316,425The complete starting cash picture.
Estimated remaining funds due at closing
$316,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,338.22
Your down payment$298,338.22
Closing costs + prepaids$18,086.45
Total buyer cash needed$316,424.67
Remaining funds due$316,424.67
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$954.00
Initial HOA (3 months)$9.24
Prepaid interest, first (12 days)$471.90
Fees + prepaids$18,086.45
Your down payment is the seller’s equity. You take over the $496,662 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $316,424.67 is due at closing. Uses and sources reconcile at $813,086.45 each. Not a Closing Disclosure.