Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$212,637Cash toward the purchase price.
Closing costs + prepaids$21,384Not just lender fees.
Before credits & paid funds$234,020The complete starting cash picture.
Estimated remaining funds due at closing
$234,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,636.82
Your down payment$212,636.82
Closing costs + prepaids$21,383.53
Total buyer cash needed$234,020.35
Remaining funds due$234,020.35
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%)$2,936.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$871.75
Initial HOA (3 months)$219.00
Prepaid interest, first (30 days)$3,137.97
Fees + prepaids$21,383.53
Your down payment is the seller’s equity. You take over the $587,363 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $234,020.35 is due at closing. Uses and sources reconcile at $821,383.53 each. Not a Closing Disclosure.