Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$458,714Cash toward the purchase price.
Closing costs + prepaids$17,600Not just lender fees.
Before credits & paid funds$476,314The complete starting cash picture.
Estimated remaining funds due at closing
$476,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$458,714.18
Your down payment$458,714.18
Closing costs + prepaids$17,599.55
Total buyer cash needed$476,313.73
Remaining funds due$476,313.73
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%)$7,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,703.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$974.25
Prepaid interest, first (27 days)$708.37
Fees + prepaids$17,599.55
Your down payment is the seller’s equity. You take over the $340,786 balance, so the rest of the $799,500 price is paid at closing. A second mortgage can cover part of it. $476,313.73 is due at closing. Uses and sources reconcile at $817,099.55 each. Not a Closing Disclosure.