Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$420,900Cash toward the purchase price.
Closing costs + prepaids$18,091Not just lender fees.
Before credits & paid funds$438,991The complete starting cash picture.
Estimated remaining funds due at closing
$438,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,900.28
Your down payment$420,900.28
Closing costs + prepaids$18,090.91
Total buyer cash needed$438,991.19
Remaining funds due$438,991.19
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,845.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,223.00
Initial HOA (3 months)$137.49
Prepaid interest, first (24 days)$766.92
Fees + prepaids$18,090.91
Your down payment is the seller’s equity. You take over the $369,100 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $438,991.19 is due at closing. Uses and sources reconcile at $808,090.91 each. Not a Closing Disclosure.