Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$276,861Cash toward the purchase price.
Closing costs + prepaids$18,466Not just lender fees.
Before credits & paid funds$295,327The complete starting cash picture.
Estimated remaining funds due at closing
$295,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,860.55
Your down payment$276,860.55
Closing costs + prepaids$18,466.11
Total buyer cash needed$295,326.66
Remaining funds due$295,326.66
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%)$7,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,560.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$623.00
Prepaid interest, first (27 days)$1,174.41
Fees + prepaids$18,466.11
Your down payment is the seller’s equity. You take over the $512,139 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $295,326.66 is due at closing. Uses and sources reconcile at $807,466.11 each. Not a Closing Disclosure.