Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$176,105Cash toward the purchase price.
Closing costs + prepaids$19,840Not just lender fees.
Before credits & paid funds$195,945The complete starting cash picture.
Estimated remaining funds due at closing
$195,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,104.70
Your down payment$176,104.70
Closing costs + prepaids$19,839.84
Total buyer cash needed$195,944.54
Remaining funds due$195,944.54
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%)$3,119.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$624.75
Initial HOA (3 months)$450.00
Prepaid interest, first (29 days)$1,427.61
Fees + prepaids$19,839.84
Your down payment is the seller’s equity. You take over the $623,895 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $195,944.54 is due at closing. Uses and sources reconcile at $819,839.84 each. Not a Closing Disclosure.