Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$628,147Cash toward the purchase price.
Closing costs + prepaids$15,679Not just lender fees.
Before credits & paid funds$643,827The complete starting cash picture.
Estimated remaining funds due at closing
$643,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$628,147.39
Your down payment$628,147.39
Closing costs + prepaids$15,679.40
Total buyer cash needed$643,826.79
Remaining funds due$643,826.79
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$858.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$147.75
Initial HOA (3 months)$57.99
Prepaid interest, first (28 days)$397.90
Fees + prepaids$15,679.40
Your down payment is the seller’s equity. You take over the $171,753 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $643,826.79 is due at closing. Uses and sources reconcile at $815,579.40 each. Not a Closing Disclosure.