Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$552,277Cash toward the purchase price.
Closing costs + prepaids$16,888Not just lender fees.
Before credits & paid funds$569,165The complete starting cash picture.
Estimated remaining funds due at closing
$569,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$552,277.08
Your down payment$552,277.08
Closing costs + prepaids$16,888.30
Total buyer cash needed$569,165.38
Remaining funds due$569,165.38
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%)$1,213.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$883.25
Prepaid interest, first (25 days)$623.43
Fees + prepaids$16,888.30
Your down payment is the seller’s equity. You take over the $242,723 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $569,165.38 is due at closing. Uses and sources reconcile at $811,888.30 each. Not a Closing Disclosure.