Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$242,015Cash toward the purchase price.
Closing costs + prepaids$18,772Not just lender fees.
Before credits & paid funds$260,787The complete starting cash picture.
Estimated remaining funds due at closing
$260,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,015.44
Your down payment$242,015.44
Closing costs + prepaids$18,772.03
Total buyer cash needed$260,787.47
Remaining funds due$260,787.47
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%)$2,789.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$404.00
Prepaid interest, first (31 days)$1,360.11
Fees + prepaids$18,772.03
Your down payment is the seller’s equity. You take over the $557,985 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $260,787.47 is due at closing. Uses and sources reconcile at $818,772.03 each. Not a Closing Disclosure.