Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$416,161Cash toward the purchase price.
Closing costs + prepaids$20,039Not just lender fees.
Before credits & paid funds$436,200The complete starting cash picture.
Estimated remaining funds due at closing
$436,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,160.68
Your down payment$416,160.68
Closing costs + prepaids$20,039.11
Total buyer cash needed$436,199.79
Remaining funds due$436,199.79
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%)$8,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,919.20
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)$942.00
Prepaid interest, first (28 days)$959.91
Fees + prepaids$20,039.11
Your down payment is the seller’s equity. You take over the $383,839 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $436,199.79 is due at closing. Uses and sources reconcile at $820,039.11 each. Not a Closing Disclosure.