Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$533,627Cash toward the purchase price.
Closing costs + prepaids$17,916Not just lender fees.
Before credits & paid funds$551,543The complete starting cash picture.
Estimated remaining funds due at closing
$551,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$533,626.91
Your down payment$533,626.91
Closing costs + prepaids$17,915.79
Total buyer cash needed$551,542.70
Remaining funds due$551,542.70
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%)$1,331.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,999.75
Prepaid interest, first (18 days)$367.68
Fees + prepaids$17,915.79
Your down payment is the seller’s equity. You take over the $266,273 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $551,542.70 is due at closing. Uses and sources reconcile at $817,815.79 each. Not a Closing Disclosure.