Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$618,060Cash toward the purchase price.
Closing costs + prepaids$15,692Not just lender fees.
Before credits & paid funds$633,752The complete starting cash picture.
Estimated remaining funds due at closing
$633,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$618,060.49
Your down payment$618,060.49
Closing costs + prepaids$15,691.67
Total buyer cash needed$633,752.16
Remaining funds due$633,752.16
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%)$909.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$529.50
Prepaid interest, first (2 days)$35.97
Fees + prepaids$15,691.67
Your down payment is the seller’s equity. You take over the $181,840 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $633,752.16 is due at closing. Uses and sources reconcile at $815,591.67 each. Not a Closing Disclosure.