Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$782,267Cash toward the purchase price.
Closing costs + prepaids$17,327Not just lender fees.
Before credits & paid funds$799,594The complete starting cash picture.
Estimated remaining funds due at closing
$799,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$782,267.22
Your down payment$782,267.22
Closing costs + prepaids$17,326.59
Total buyer cash needed$799,593.81
Remaining funds due$799,593.81
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%)$8,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$488.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,005.50
Initial HOA (3 months)$792.00
Prepaid interest, first (2 days)$22.44
Fees + prepaids$17,326.59
Your down payment is the seller’s equity. You take over the $97,732 balance, so the rest of the $879,999 price is paid at closing. A second mortgage can cover part of it. $799,593.81 is due at closing. Uses and sources reconcile at $897,325.59 each. Not a Closing Disclosure.