Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$487,831Cash toward the purchase price.
Closing costs + prepaids$17,742Not just lender fees.
Before credits & paid funds$505,573The complete starting cash picture.
Estimated remaining funds due at closing
$505,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$487,831.35
Your down payment$487,831.35
Closing costs + prepaids$17,741.92
Total buyer cash needed$505,573.28
Remaining funds due$505,573.28
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%)$1,560.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$921.00
Initial HOA (3 months)$487.50
Prepaid interest, first (24 days)$556.08
Fees + prepaids$17,741.92
Your down payment is the seller’s equity. You take over the $312,069 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $505,573.28 is due at closing. Uses and sources reconcile at $817,641.92 each. Not a Closing Disclosure.