Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$782,577Cash toward the purchase price.
Closing costs + prepaids$17,554Not just lender fees.
Before credits & paid funds$800,132The complete starting cash picture.
Estimated remaining funds due at closing
$800,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$782,577.16
Your down payment$782,577.16
Closing costs + prepaids$17,554.40
Total buyer cash needed$800,131.56
Remaining funds due$800,131.56
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%)$8,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$487.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,056.00
Initial HOA (3 months)$792.00
Prepaid interest, first (18 days)$201.30
Fees + prepaids$17,554.40
Your down payment is the seller’s equity. You take over the $97,422 balance, so the rest of the $879,999 price is paid at closing. A second mortgage can cover part of it. $800,131.56 is due at closing. Uses and sources reconcile at $897,553.40 each. Not a Closing Disclosure.