Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$513,290Cash toward the purchase price.
Closing costs + prepaids$16,796Not just lender fees.
Before credits & paid funds$530,086The complete starting cash picture.
Estimated remaining funds due at closing
$530,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$513,290.08
Your down payment$513,290.08
Closing costs + prepaids$16,795.83
Total buyer cash needed$530,085.91
Remaining funds due$530,085.91
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%)$1,433.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$960.00
Prepaid interest, first (6 days)$184.28
Fees + prepaids$16,795.83
Your down payment is the seller’s equity. You take over the $286,710 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $530,085.91 is due at closing. Uses and sources reconcile at $816,795.83 each. Not a Closing Disclosure.