Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$452,731Cash toward the purchase price.
Closing costs + prepaids$18,060Not just lender fees.
Before credits & paid funds$470,791The complete starting cash picture.
Estimated remaining funds due at closing
$470,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,730.60
Your down payment$452,730.60
Closing costs + prepaids$18,060.35
Total buyer cash needed$470,790.95
Remaining funds due$470,790.95
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%)$1,736.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,338.25
Initial HOA (3 months)$12.51
Prepaid interest, first (27 days)$755.24
Fees + prepaids$18,060.35
Your down payment is the seller’s equity. You take over the $347,269 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $470,790.95 is due at closing. Uses and sources reconcile at $818,060.35 each. Not a Closing Disclosure.