Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$490,865Cash toward the purchase price.
Closing costs + prepaids$16,835Not just lender fees.
Before credits & paid funds$507,701The complete starting cash picture.
Estimated remaining funds due at closing
$507,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$490,865.45
Your down payment$490,865.45
Closing costs + prepaids$16,835.13
Total buyer cash needed$507,700.58
Remaining funds due$507,700.58
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%)$1,545.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$703.00
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$23.46
Fees + prepaids$16,835.13
Your down payment is the seller’s equity. You take over the $309,135 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $507,700.58 is due at closing. Uses and sources reconcile at $816,835.13 each. Not a Closing Disclosure.