Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$671,925Cash toward the purchase price.
Closing costs + prepaids$20,026Not just lender fees.
Before credits & paid funds$691,951The complete starting cash picture.
Estimated remaining funds due at closing
$691,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$671,924.89
Your down payment$671,924.89
Closing costs + prepaids$20,025.67
Total buyer cash needed$691,950.56
Remaining funds due$691,950.56
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%)$8,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$640.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Initial HOA (3 months)$2,400.00
Prepaid interest, first (27 days)$767.30
Fees + prepaids$20,025.67
Your down payment is the seller’s equity. You take over the $128,075 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $691,950.56 is due at closing. Uses and sources reconcile at $820,025.67 each. Not a Closing Disclosure.