Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$622,177Cash toward the purchase price.
Closing costs + prepaids$17,505Not just lender fees.
Before credits & paid funds$639,681The complete starting cash picture.
Estimated remaining funds due at closing
$639,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$622,176.65
Your down payment$622,176.65
Closing costs + prepaids$17,504.66
Total buyer cash needed$639,681.31
Remaining funds due$639,681.31
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%)$889.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Prepaid interest, first (24 days)$397.54
Fees + prepaids$17,504.66
Your down payment is the seller’s equity. You take over the $177,823 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $639,681.31 is due at closing. Uses and sources reconcile at $817,504.66 each. Not a Closing Disclosure.