Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$487,023Cash toward the purchase price.
Closing costs + prepaids$19,958Not just lender fees.
Before credits & paid funds$506,981The complete starting cash picture.
Estimated remaining funds due at closing
$506,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$487,023.06
Your down payment$487,023.06
Closing costs + prepaids$19,958.32
Total buyer cash needed$506,981.38
Remaining funds due$506,981.38
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,564.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,999.75
Initial HOA (3 months)$1,428.00
Prepaid interest, first (23 days)$749.19
Fees + prepaids$19,958.32
Your down payment is the seller’s equity. You take over the $312,877 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $506,981.38 is due at closing. Uses and sources reconcile at $819,858.32 each. Not a Closing Disclosure.