Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$540,424Cash toward the purchase price.
Closing costs + prepaids$17,514Not just lender fees.
Before credits & paid funds$557,938The complete starting cash picture.
Estimated remaining funds due at closing
$557,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$540,423.94
Your down payment$540,423.94
Closing costs + prepaids$17,513.96
Total buyer cash needed$557,937.90
Remaining funds due$557,937.90
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%)$7,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,296.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,292.25
Initial HOA (3 months)$137.49
Prepaid interest, first (30 days)$571.34
Fees + prepaids$17,513.96
Your down payment is the seller’s equity. You take over the $259,376 balance, so the rest of the $799,800 price is paid at closing. A second mortgage can cover part of it. $557,937.90 is due at closing. Uses and sources reconcile at $817,313.96 each. Not a Closing Disclosure.