Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$308,810Cash toward the purchase price.
Closing costs + prepaids$18,361Not just lender fees.
Before credits & paid funds$327,171The complete starting cash picture.
Estimated remaining funds due at closing
$327,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,810.32
Your down payment$308,810.32
Closing costs + prepaids$18,360.76
Total buyer cash needed$327,171.08
Remaining funds due$327,171.08
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%)$2,455.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$680.75
Prepaid interest, first (28 days)$1,006.06
Fees + prepaids$18,360.76
Your down payment is the seller’s equity. You take over the $491,190 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $327,171.08 is due at closing. Uses and sources reconcile at $818,360.76 each. Not a Closing Disclosure.