Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$248,428Cash toward the purchase price.
Closing costs + prepaids$21,054Not just lender fees.
Before credits & paid funds$269,483The complete starting cash picture.
Estimated remaining funds due at closing
$269,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,428.49
Your down payment$248,428.49
Closing costs + prepaids$21,054.28
Total buyer cash needed$269,482.77
Remaining funds due$269,482.77
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%)$2,757.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,499.75
Initial HOA (3 months)$215.01
Prepaid interest, first (24 days)$1,363.67
Fees + prepaids$21,054.28
Your down payment is the seller’s equity. You take over the $551,572 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $269,482.77 is due at closing. Uses and sources reconcile at $821,054.28 each. Not a Closing Disclosure.