Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$498,892Cash toward the purchase price.
Closing costs + prepaids$16,919Not just lender fees.
Before credits & paid funds$515,811The complete starting cash picture.
Estimated remaining funds due at closing
$515,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$498,892.23
Your down payment$498,892.23
Closing costs + prepaids$16,918.56
Total buyer cash needed$515,810.78
Remaining funds due$515,810.78
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%)$1,505.04
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 (12 days)$236.52
Fees + prepaids$16,918.56
Your down payment is the seller’s equity. You take over the $301,008 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $515,810.78 is due at closing. Uses and sources reconcile at $816,818.56 each. Not a Closing Disclosure.