Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$343,440Cash toward the purchase price.
Closing costs + prepaids$17,895Not just lender fees.
Before credits & paid funds$361,334The complete starting cash picture.
Estimated remaining funds due at closing
$361,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,439.77
Your down payment$343,439.77
Closing costs + prepaids$17,894.60
Total buyer cash needed$361,334.36
Remaining funds due$361,334.36
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%)$2,282.80
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)$433.79
Fees + prepaids$17,894.60
Your down payment is the seller’s equity. You take over the $456,560 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $361,334.36 is due at closing. Uses and sources reconcile at $817,894.60 each. Not a Closing Disclosure.