Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$515,977Cash toward the purchase price.
Closing costs + prepaids$17,678Not just lender fees.
Before credits & paid funds$533,655The complete starting cash picture.
Estimated remaining funds due at closing
$533,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$515,976.74
Your down payment$515,976.74
Closing costs + prepaids$17,678.37
Total buyer cash needed$533,655.12
Remaining funds due$533,655.12
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%)$1,417.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,447.50
Initial HOA (3 months)$75.00
Prepaid interest, first (23 days)$525.26
Fees + prepaids$17,678.37
Your down payment is the seller’s equity. You take over the $283,523 balance, so the rest of the $799,500 price is paid at closing. A second mortgage can cover part of it. $533,655.12 is due at closing. Uses and sources reconcile at $817,178.37 each. Not a Closing Disclosure.