Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$310,217Cash toward the purchase price.
Closing costs + prepaids$18,423Not just lender fees.
Before credits & paid funds$328,640The complete starting cash picture.
Estimated remaining funds due at closing
$328,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,216.87
Your down payment$310,216.87
Closing costs + prepaids$18,422.75
Total buyer cash needed$328,639.62
Remaining funds due$328,639.62
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%)$2,448.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$550.00
Initial HOA (3 months)$123.75
Prepaid interest, first (28 days)$1,082.09
Fees + prepaids$18,422.75
Your down payment is the seller’s equity. You take over the $489,783 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $328,639.62 is due at closing. Uses and sources reconcile at $818,422.75 each. Not a Closing Disclosure.