Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$618,477Cash toward the purchase price.
Closing costs + prepaids$16,210Not just lender fees.
Before credits & paid funds$634,687The complete starting cash picture.
Estimated remaining funds due at closing
$634,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$618,477.47
Your down payment$618,477.47
Closing costs + prepaids$16,209.86
Total buyer cash needed$634,687.33
Remaining funds due$634,687.33
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%)$907.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$529.50
Prepaid interest, first (31 days)$556.25
Fees + prepaids$16,209.86
Your down payment is the seller’s equity. You take over the $181,423 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $634,687.33 is due at closing. Uses and sources reconcile at $816,109.86 each. Not a Closing Disclosure.