Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$484,215Cash toward the purchase price.
Closing costs + prepaids$19,807Not just lender fees.
Before credits & paid funds$504,021The complete starting cash picture.
Estimated remaining funds due at closing
$504,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,214.58
Your down payment$484,214.58
Closing costs + prepaids$19,806.53
Total buyer cash needed$504,021.11
Remaining funds due$504,021.11
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%)$7,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,563.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,992.50
Initial HOA (3 months)$1,260.00
Prepaid interest, first (26 days)$802.10
Fees + prepaids$19,806.53
Your down payment is the seller’s equity. You take over the $312,785 balance, so the rest of the $797,000 price is paid at closing. A second mortgage can cover part of it. $504,021.11 is due at closing. Uses and sources reconcile at $816,806.53 each. Not a Closing Disclosure.