Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$296,982Cash toward the purchase price.
Closing costs + prepaids$18,238Not just lender fees.
Before credits & paid funds$315,220The complete starting cash picture.
Estimated remaining funds due at closing
$315,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,981.79
Your down payment$296,981.79
Closing costs + prepaids$18,237.89
Total buyer cash needed$315,219.68
Remaining funds due$315,219.68
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%)$8,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,639.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$859.25
Initial HOA (3 months)$76.50
Prepaid interest, first (2 days)$195.55
Fees + prepaids$18,237.89
Your down payment is the seller’s equity. You take over the $527,918 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $315,219.68 is due at closing. Uses and sources reconcile at $843,137.89 each. Not a Closing Disclosure.